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RESTRICTION ON CASH AND DUE FROM BANKS
12 Months Ended
Dec. 31, 2013
RESTRICTION ON CASH AND DUE FROM BANKS
(2) RESTRICTION ON CASH AND DUE FROM BANKS

The Bank is required to maintain reserve balances on hand and with the Federal Reserve Bank which are noninterest bearing and unavailable for investment. The average amount of those reserve balances for the years ended December 31, 2013 and 2012 was approximately $731,000 and $1.1 million, respectively.