<SEC-DOCUMENT>0000939057-12-000186.txt : 20120615
<SEC-HEADER>0000939057-12-000186.hdr.sgml : 20120615
<ACCEPTANCE-DATETIME>20120615151929
ACCESSION NUMBER:		0000939057-12-000186
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20120331
FILED AS OF DATE:		20120615
DATE AS OF CHANGE:		20120615

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RIVERVIEW BANCORP INC
		CENTRAL INDEX KEY:			0001041368
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				911838969
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22957
		FILM NUMBER:		12910041

	BUSINESS ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
		BUSINESS PHONE:		360-693-6650

	MAIL ADDRESS:	
		STREET 1:		900 WASHINGTON STREET
		STREET 2:		SUITE 900
		CITY:			VANCOUVER
		STATE:			WA
		ZIP:			98660
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>riv10k2012.htm
<DESCRIPTION>RIVERVIEW BANCORP, INC. FORM 10-K
<TEXT>
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<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Washington, D.C.&#160;&#160;20549</font></div>

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<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FORM 10-K</font></div>

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<td width="4%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">[X]&#160;</font></td>
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<div align="justify"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</font></font></div>
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<div>For the Fiscal Year Ended March 31, 2012<font id="TAB1" style="MARGIN-LEFT: 12pt"></font>OR</div>

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<td width="4%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">[&#160;&#160; ]&#160;</font></td>
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<div align="justify"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</font></font></div>
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<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Commission File Number: 0-22957</font></div>

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<td width="100%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 14pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC.</font></font></td>
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<div align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;(Exact name of registrant as specified in its charter)</font></div>

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<td width="41%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Washington&#160;</font></td>
<td width="13%" style="PADDING-BOTTOM: 2px"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="46%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">91-1838969&#160;</font></td>
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<td width="41%" style="TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(State or other jurisdiction of incorporation or organization)&#160;</font></td>
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<td width="46%" style="TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(I.R.S. Employer I.D. Number)&#160;</font></td>
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<td width="41%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="41%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">900 Washington St., Ste. 900, Vancouver, Washington&#160;</font></td>
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<td width="46%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">98660&#160;</font></td>
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<td width="41%" style="TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Address of principal executive offices)&#160;</font></td>
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<td width="46%" style="TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Zip Code)&#160;</font></td>
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<td width="41%" style="PADDING-BOTTOM: 2px"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Registrant's telephone number, including area code:&#160;</font></td>
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<td width="46%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(360) 693-6650&#160;</font></td>
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<td width="41%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="41%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Securities registered pursuant to Section 12(b) of the Act:&#160;</font></td>
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<td width="46%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="41%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="41%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Common Stock, Par Value $.01 per share&#160;</font></td>
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<td width="46%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Nasdaq Stock Market LLC&#160;</font></td>
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<td width="41%" style="TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Title of Each Class)&#160;</font></td>
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<td width="46%" style="TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Name of Each Exchange on Which Registered)&#160;</font></td>
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<td width="41%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;Securities registered pursuant to Section 12(g) of the Act:</font></td>
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<td width="46%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">None&#160;</font></td>
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<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; 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.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Yes&#160;[&#160;&#160; ]&#160;&#160;No&#160;&#160;[X]</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; 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.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Yes&#160;[&#160;&#160; ]&#160;&#160;No&#160;&#160;[X]</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Indicate by check mark whether the registrant (1) 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. Yes [X] No [&#160;&#160; ] </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (&#167;232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes [X]&#160;&#160;No [&#160;&#160; ]</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and disclosure will not be contained, to the best of the registrant's knowledge, in any definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendments to this Form 10-K&#160;&#160;&#160;[X]</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.&#160;&#160;See definition of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule 12b-2 of the Exchange Act.</font></div>

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<td width="20%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Large accelerated filer&#160;[&#160;&#160; ]&#160;&#160;</font></td>
<td width="20%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accelerated filer&#160;[&#160;&#160; ]&#160;</font></td>
<td width="20%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-accelerated filer&#160;[&#160;&#160; ]&#160;&#160;</font></td>
<td width="20%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Smaller Reporting Company [X]&#160;</font></td>
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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><br>
<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes <font style="DISPLAY: inline; FONT-SIZE: 10pt" face="Wingdings">o</font>&#160;&#160;No<font id="TAB2" style="LETTER-SPACING: 3pt; COLOR: black">&#160;</font>&#160;&#160;<font style="DISPLAY: inline; FONT-SIZE: 10pt" face="Wingdings">x</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The aggregate market value of the voting stock held by non-affiliates of the registrant, based on the closing sales price of the registrant's Common Stock as quoted on the Nasdaq Global Select Market System under the symbol "RVSB" on September 30, 2011 was $53,932,536 (22,471,890 shares at $2.40 per share).&#160;&#160;As of May 31, 2012, there were issued and outstanding 22,471,890 shares of the registrant&#8217;s common stock.</font></div>

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<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">DOCUMENTS INCORPORATED BY REFERENCE</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Portions of registrant's Definitive Proxy Statement for the 2012 Annual Meeting of Shareholders (Part III).</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Table of Contents</font></font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 1.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Business</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 1A.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Risk Factors</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 1B.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unresolved Staff Comments</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 2.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Properties</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 3.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Legal Proceedings</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 4.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mine Safety Disclosures</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; TEXT-DECORATION: underline"><font style="DISPLAY: inline">PART II</font></font></div>
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<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 5.</font></div>
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<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Market of Registrant&#8217;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 6.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Selected Financial Data</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 7.</font></div>
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<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">50</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 7A.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quantitative and Qualitative Disclosures about Market Risk</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 8.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Financial Statements and Supplementary Data</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">70</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 9.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">107</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 9A.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Controls and Procedures</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">107</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 9B.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other Information</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">108</font></div>
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<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 10.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Directors, Executive Officers and Corporate Governance</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">108</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 11.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Executive Compensation</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">109</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 12.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Security Ownership of Certain Beneficial Owners and Management and Related Stockholders</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">109</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 13.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certain Relationships and Related Transactions, and Director Independence</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 14.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal Accountant Fees and Services</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">109</font></div>
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<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Item 15.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibits and Financial Statement Schedules</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Signatures</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">111</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Index to Exhibits</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As used in this Form 10-K, the terms &#8220;we,&#8221; &#8220;our&#8221; and &#8220;Company&#8221; refer to Riverview Bancorp, Inc. and its consolidated subsidiaries, unless the context indicates otherwise. When we refer to &#8220;Bank&#8221; in this Form 10-K, we are referring to Riverview Community Bank, a wholly-owned subsidiary of Riverview Bancorp, Inc.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#8220;Safe Harbor&#8221; statement under the Private Securities Litigation Reform Act of 1995: When used in this Form 10-K the words &#8220;believes,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;estimates,&#8221; &#8220;forecasts,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;targets,&#8221; &#8220;potentially,&#8221; &#8220;probably,&#8221; &#8220;projects,&#8221; &#8220;outlook,&#8221; or similar expressions or future or conditional verbs such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;would,&#8221; and &#8220;could.&#8221; or similar expression are intended to identify &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include statements with respect to our beliefs, plans, objectives, goals, expectations, assumptions and statements about future performance.&#160;&#160;These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated, including, but not limited to: the credit risks of lending activities, including changes in the level and trend of loan delinquencies and write-offs and changes in the Company&#8217;s allowance for loan losses and provision for loan losses that may be impacted by deterioration in the housing and commercial real estate markets; changes in general economic conditions, either nationally or in the Company&#8217;s market areas; changes in the levels of general interest rates, and the relative differences between short and long term interest rates, deposit interest rates, the Company&#8217;s net interest margin and funding sources; fluctuations in the demand for loans, the number of unsold homes, land and other properties and fluctuations in real estate values in the Company&#8217;s market areas;&#160;&#160;secondary market conditions for loans and the Company&#8217;s ability to sell loans in the secondary market; results of examinations of our bank subsidiary, Riverview Community Bank by the Office of the Comptroller of the Currency and of the Company by the Board of Governors of the Federal Reserve System, or other regulatory authorities, including the possibility that any such regulatory authority may, among other things, require the Company to increase its reserve for loan losses, write-down assets, change Riverview Community Bank&#8217;s regulatory capital position or affect the Company&#8217;s ability to borrow funds or maintain or increase deposits, which could adversely affect its&#160;&#160;liquidity and earnings; the Company&#8217;s compliance with&#160;&#160;regulatory enforcement actions entered into with its banking regulators and the possibility that noncompliance could result in the imposition of additional enforcement actions and additional requirements or restrictions on its operations; legislative or regulatory changes that adversely affect the Company&#8217;s business including changes in regulatory policies and principles, or&#160;&#160;the interpretation of regulatory capital or other rules; the Company&#8217;s ability to attract and retain deposits; further increases in premiums for deposit insurance; the Company&#8217;s ability to control operating costs and expenses; the use of estimates in determining fair value of certain of the Company&#8217;s assets, which estimates may prove to be incorrect and result in significant declines in valuation; difficulties in reducing risks associated with the loans on the Company&#8217;s balance sheet; staffing fluctuations in response to product demand or the implementation of corporate strategies that affect the Company&#8217;s workforce and potential associated charges; computer systems on which the Company depends could fail or experience a security breach; the Company&#8217;s ability to retain key members of its senior management team; costs and effects of litigation, including settlements and judgments; the Company&#8217;s ability to implement its business strategies; the Company&#8217;s ability to successfully integrate any assets, liabilities, customers, systems, and management personnel it may acquire into its operations and the Company&#8217;s ability to realize related revenue synergies and cost savings within expected time frames and any goodwill charges related thereto; increased competitive pressures among financial services companies; changes in consumer spending, borrowing and savings habits; the availability of resources to address changes in laws, rules, or regulations or to respond to regulatory actions; the Company&#8217;s ability to pay dividends on its common stock and interest or principal payments on its junior subordinated debentures; adverse changes in the securities markets; inability of key third-party providers to perform their obligations to us; changes in accounting policies and practices, as may be adopted by the financial institution regulatory agencies or the Financial Accounting Standards Board, including additional guidance and interpretation on accounting issues and details of the implementation of new accounting methods; other economic, competitive, governmental, regulatory, and technological factors affecting the Company&#8217;s operations, pricing, products and services and the other risks described from time to time in our filings with the Securities and Exchange Commission.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">General</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Riverview Bancorp, Inc. (the &#8220;Company" or &#8220;Riverview&#8221;), a Washington corporation, is the savings and loan holding company of Riverview Community Bank (the &#8220;Bank&#8221;). At March 31, 2012, the Company had total assets of $856.0 million, total deposit accounts of $744.5 million and shareholders' equity of $75.6 million. The Company&#8217;s executive offices are located in Vancouver Washington. As used throughout this report, the terms &#8220;we,&#8221; &#8220;our,&#8221; &#8220;us,&#8221; &#8220;Riverview&#8221; or the &#8220;Company&#8221; refer to Riverview Bancorp, Inc. and the Bank, unless the context otherwise requires.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Substantially all of the Company&#8217;s business is conducted through the Bank which is regulated by the Office of the Comptroller of the Currency ("OCC"), its primary regulator, and by the Federal Deposit Insurance Corporation ("FDIC"), the insurer of its deposits. The Bank's deposits are insured by the FDIC up to applicable legal limits under the Deposit Insurance Fund ("DIF").&#160;&#160;The Bank has been a member of the Federal Home Loan Bank ("FHLB") of Seattle since 1937.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As a progressive, community-oriented financial services company, the Company emphasizes local, personal service to residents of its primary market area. The Company considers Clark, Cowlitz, Klickitat and Skamania counties of Washington and Multnomah and Marion counties of Oregon as its primary market area. The Counties of Multnomah, Clark and Skamania are part of the Portland metropolitan area as defined by the U.S. Census Bureau. The Company is engaged predominantly in the business of attracting deposits from the general public and using such funds in its primary market area to originate commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and other consumer loans. Commercial business, commercial real estate and real estate construction loans have decreased to 80.0% of the loan portfolio at March 31, 2012 from 83.6% at March 31, 2011, decreasing the risk profile of the total loan portfolio. The Company&#8217;s strategy over the past several years has been to control balance sheet growth, including the targeted reduction of residential construction related loans, in order to improve its regulatory capital ratios. Speculative construction loans, consisting of unsold properties under construction, represented $10.8 million, or 87.5% of the residential construction portfolio at March 31, 2012, compared to $16.5 million a year ago, a decline of 34.7%. Total real estate construction loans at March 31, 2012 declined to $25.8 million or 5.8% from $27.4 million a year ago. Land acquisition and development loans were $38.9 million at March 31, 2012 compared to $55.3 million a year ago, which represents a decline of 29.6%. Most recently, the Company&#8217;s primary focus has been on increasing commercial business loans, owner occupied commercial real estate loans and high-quality one-to-four family mortgage loans.&#160;&#160;One-to-four family loans increased $30.4 million to $100.6 million at March 31, 2012 from $70.2 million at March 31, 2011.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s strategic plan includes targeting the commercial banking customer base in its primary market area, specifically small and medium size businesses, professionals and wealth building individuals. In pursuit of these goals, the Company manages growth while maintaining a significant amount of commercial and commercial real estate loans in its loan portfolio. Significant portions of these new loan originations carry adjustable rates, higher yields or shorter terms and higher credit risk than traditional fixed-rate mortgages. A related goal is to increase the proportion of personal and business checking account deposits used to fund new loan production. At March 31, 2012, checking accounts totaled $223.8 million, or 30.1% of our total deposit mix compared to $179.8 million or 25.1% a year ago. The strategic plan also stresses increased emphasis on non-interest income, including increased fees for asset management and deposit service charges. The strategic plan is designed to enhance earnings, reduce interest rate risk and provide a more complete range of financial services to customers and the local communities the Company serves. The Company believes it is well positioned to attract new customers and to increase its market share with seventeen branches, including ten in Clark County, two in the Portland metropolitan area and three lending centers.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Market Area</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company conducts operations from its home office in Vancouver and seventeen branch offices located in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver (seven branch offices) and Longview, Washington and Portland, Wood Village and Aumsville, Oregon. Additionally, the Company recently announced plans to open a new branch in Gresham, Oregon expected to be open in June 2012. The Company operates a trust and financial services company, Riverview Asset Management Corp. (&#8220;RAMCorp&#8221;), located in downtown Vancouver, Washington.&#160;&#160;Riverview Mortgage, a mortgage broker division of the Bank, originates mortgage loans for various mortgage companies predominantly in the Vancouver/Portland metropolitan areas, as well as for the Bank.&#160;&#160;The Bank&#8217;s Business and Professional Banking Division, with one lending office in Vancouver and one lending office in Portland, Oregon offers commercial and business banking services. The Bank also operates a lending office for mortgage banking activities.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Vancouver is located in Clark County, Washington, which is just north of Portland, Oregon. Many businesses are located in the Vancouver area because of the favorable tax structure and lower energy costs in Washington as compared to Oregon. Companies located in the Vancouver area include Sharp Microelectronics, Hewlett Packard, Georgia Pacific, Underwriters Laboratory, Wafer Tech, Nautilus, Barrett Business Services, PeaceHealth and Fisher Investments, as well as several support industries. In addition to this industry base, the Columbia River Gorge Scenic Area is a source of tourism, which has helped to transform the area from its past dependence on the timber industry.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Unemployment in Clark County increased while unemployment in Portland, Oregon decreased during the quarter ended March 31, 2012. According to the Washington State Employment Security Department, unemployment in Clark County increased to 10.9% in February 2012 compared to 9.3% at December 2011 but had decreased compared to 11.8% in September 2011 at 12.5% in June 2011 and 13.2% at March 2011. According to the Oregon Employment Department, unemployment in Portland decreased to 7.8% in March 2012 compared to 8.1% in December 2011, 8.5% in September 2011, 8.5% in June 2011 and 8.6% at March 2011. Home values at March 31, 2012 in the Company&#8217;s market area remained lower than home values in 2011, 2010 and 2009, due in large part to an increase in the volume of foreclosures and short sales. However, home values have begun to stabilize after decreasing sharply during the past fiscal years. According to the Regional Multiple Listing Services (RMLS), inventory levels in Portland, Oregon have fallen to 5.0 months as of March 2012, compared to 7.1 months in March 2011 and a peak of 7.2 months in April 2011. Inventory levels in Clark County have decreased to 6.4 months as of March 2012, compared to 8.3 months in March 2011 and a peak of 8.8 months in January 2012. Closed home sales in Clark County increased 5.6% in March 2012 compared to March 2011. Closed home sales in Portland increased 4.9% during the same time period. Commercial real estate leasing activity in the Portland/Vancouver area has performed better than the residential real estate market, but it is generally affected by a slow economy later than other indicators. According to Norris Beggs Simpson, commercial vacancy rates in Clark County and Portland Oregon were approximately 16.0% and 22.4%, respectively as of March 31, 2012.&#160;&#160;The Company has seen an increase in sales activity for building lots in recent months.&#160;&#160;Since the quarter ended December 2011, the Company has sold $5.3 million in building lots, including recent sales through May 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">General</font>.&#160;&#160;At March 31, 2012, the Company's net loans receivable totaled $664.9 million, or 77.7% of total assets at that date. The principal lending activity of the Company is the origination of loans collateralized by commercial properties and commercial business loans. A substantial portion of the Company's loan portfolio is secured by real estate, either as primary or secondary collateral, located in its primary market area. The Company&#8217;s lending activities are subject to the written, non-discriminatory, underwriting standards and loan origination procedures established by the Bank&#8217;s Board of Directors (&#8220;Board&#8221;) and management. The customary sources of loan originations are realtors, walk-in customers, referrals and existing customers. The Bank also uses commissioned loan brokers and print advertising to market its products and services.<font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font>Loans are approved at various levels of management, depending upon the amount of the loan.</font></div>

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<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td align="right" colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td align="right" colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 7.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td align="right" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td align="right" colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="38" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9.15pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and construction:</font></div>
</td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="20%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.74 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.44 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">108,368</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.76 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">127,150</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15.87 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">109,585</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.28 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="20%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate mortgage</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">434,763</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63.49</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">461,955</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">67.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">459,178</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62.52</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">447,652</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">429,422</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="20%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,791</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.76</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,385</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.98</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,456</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.27</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">139,476</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">148,631</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19.37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="20%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -63.9pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total commercial and construction</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">547,792</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79.99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">574,851</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">83.61</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">643,002</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87.55</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">714,278</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">89.16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">687,638</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">89.62</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate one-to-four family</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">134,975</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19.71</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110,437</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16.06</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88,861</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">83,762</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,922</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.90</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other installment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,042</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.30</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,289</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,616</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.35</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,051</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,665</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total consumer loans</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137,017</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20.01</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112,726</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">91,477</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">86,813</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79,587</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.38</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">684,809</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">687,577</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">734,479</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">801,091</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">767,225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,921</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,642</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,687</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans receivable, net</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,888</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">672,609</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">712,837</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">784,117</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">756,538</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">7</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Loan Portfolio Composition.</font>&#160;&#160;The following tables set forth the composition of the Company's commercial and construction loan portfolio based on loan purpose at the dates indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commercial</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mortgage</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate&#160;&#160;&#160;&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Construction</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commercial &amp; </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Construction </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; March 31, 2012</font></div>
</td>
<td colspan="11" valign="bottom" width="46%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 10.1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
</tr><tr>
<td valign="top" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,496</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,496</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Office buildings</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">94,541</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">94,541</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Warehouse/industrial</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48,605</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48,605</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Retail/shopping centers/strip malls</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">80,595</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">80,595</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.15pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Assisted living facilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,866</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,866</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Single purpose facilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">93,473</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">93,473</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,888</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,888</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,795</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,795</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">One-to-four family construction</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,295</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,295</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">434,763</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,791</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">547,792</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commercial</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mortgage</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate&#160;&#160;&#160;&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Construction</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commercial &amp; </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Construction </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; March 31, 2011</font></div>
</td>
<td colspan="11" valign="bottom" width="46%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 10.1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
</tr><tr>
<td valign="top" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,608</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,608</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Office buildings</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">95,529</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">95,529</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Warehouse/industrial</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,627</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,627</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Retail/shopping centers/strip malls</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,719</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,719</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.15pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Assisted living facilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,162</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,162</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Single purpose facilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">98,651</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">98,651</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,258</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,258</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,009</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">One-to-four family construction</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,777</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,777</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="23%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">461,955</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,385</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">574,851</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Commercial Business Lending. </font>At March 31, 2012, the commercial business loan portfolio totaled $87.2 million or 12.74% of total loans. Commercial business loans are typically secured by business equipment, accounts receivable, inventory or other property. The Company&#8217;s commercial business loans may be structured as term loans or as lines of credit. Commercial term loans are generally made to finance the purchase of assets and usually have maturities of five years or less. Commercial lines of credit are typically made for the purpose of providing working capital and usually have a term of one year or less. Lines of credit are made at variable rates of interest equal to a negotiated margin above an index rate and term loans are at either a variable or fixed rate. The Company also generally obtains personal guarantees from financially capable parties based on a review of personal financial statements.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Commercial lending involves risks that are different from those associated with residential and commercial real estate lending. Commercial business loans are primarily made based on the cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The borrower&#8217;s cash flow may be unpredictable, and collateral securing these loans may fluctuate in value. Although commercial business loans are often collateralized by equipment, inventory, accounts receivable or other business assets, the liquidation of collateral in the event of default is often an insufficient source of repayment because accounts receivable may be uncollectible and inventories may be obsolete or of limited use, among other things.&#160;&#160;Accordingly, the repayment of commercial business loans depends primarily on the cash flow and credit worthiness of the borrower and secondarily on the underlying collateral provided by the borrower.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Other Real Estate Mortgage Lending.&#160;&#160;</font>At March 31, 2012, the other real estate lending portfolio totaled $434.8 million, or 63.49% of total loans. The Company originates other real estate loans including office buildings, warehouse/industrial, retail, assisted living facilities and single-purpose facilities (collectively &#8220;commercial real estate loans&#8221;); as well as land and multi-family loans primarily located in its market area. As a result of the contraction in the real estate market, the Company has ceased the origination of new land acquisition and development loans. At March 31, 2012, owner occupied properties accounted for 29% and non-owner occupied properties accounted for 71% of the Company&#8217;s commercial real estate portfolio.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><br>
&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">8</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Commercial real estate loans typically have higher loan balances, are more difficult to evaluate and monitor, and involve a higher degree of risk than one-to-four family residential loans. As a result, commercial real estate, including multi-family, loans are generally priced at a higher rate of interest than residential one-to-four family loans. Often payments on loans secured by commercial properties are dependent on the successful operation and management of the property securing the loan or business conducted on the property securing the loan; therefore, repayment of these loans may be affected by adverse conditions in the real estate market or the economy. Real estate lending is generally considered to be collateral based lending with loan amounts based on predetermined loan to collateral values and liquidation of the underlying real estate collateral being viewed as the primary source of repayment in the event of borrower default. The Company seeks to minimize these risks by generally limiting the maximum loan-to-value ratio to 80% and strictly scrutinizing the financial condition of the borrower, the quality of the collateral and the management of the property securing the loan. Loans are secured by first mortgages and often require specified debt service coverage (&#8220;DSC&#8221;) ratios depending on the characteristics of the collateral. The Company generally imposes a minimum DSC ratio of 1.20 for loans secured by income producing properties. Rates and other terms on such loans generally depend on our assessment of credit risk after considering such factors as the borrower&#8217;s financial condition and credit history, loan-to-value ratio, DSC ratio and other factors.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company actively pursues commercial real estate loans; however, new loan originations were lower in fiscal year 2012 reflecting the weak economic conditions resulting in a decrease in loan demand from creditworthy borrowers. At March 31, 2012, the Company had nine commercial real estate loans totaling $14.0 million on non-accrual status compared to four commercial real estate loans totaling $1.4 million at March 31, 2011. For more information concerning risks related to commercial real estate loans, see Item 1A. &#8220;Risk Factors &#8211; Our emphasis on commercial real estate lending may expose us to increased lending risks.&#8221;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Land acquisition and development loans are included in the other real estate mortgage portfolio balance, and represent loans made to developers for the purpose of acquiring raw land and/or for the subsequent development and sale of residential lots. Such loans typically finance land purchases and infrastructure development of properties (i.e. roads, utilities, etc.) with the aim of making improved lots ready for subsequent sales to consumers or builders for ultimate construction of residential units. The primary source of repayment is generally the cash flow from developer sale of lots or improved parcels of land, secondary sources and personal guarantees, which may provide an additional measure of security for such loans. Strong demand for housing led to loan growth in this category in previous years. However, the downturn in the real estate market since 2008 has slowed lot and home sales within the Company&#8217;s target areas affecting certain developers by lengthening the marketing period of their projects and negatively affecting borrower&#8217;s liquidity and collateral values. In recent months, however, statistics reflect an increase in demand and sales of building lots in the Company&#8217;s primary market area resulting in an increase in the number of closed sales for land and building lots. In the six month period ended March 31, 2012, the Company has sold a total of $5.6 million in land and lot REO properties, which includes seven subdivision properties.&#160;&#160;Additionally, the Company sold $2.4 million in REO land development properties and was paid off on a $4.7 million land development loan subsequent to year-end. The Company has focused on reducing these loans during the past two fiscal years and plans to continue to reduce these portfolios. At March 31, 2012, land acquisition and development loans totaled $38.9 million, or 5.68% of total loans compared to $55.3 million, or 8.04% of total loans at March 31, 2011. The largest land acquisition and development loan had an outstanding balance at March 31, 2012 of $4.7 million and was on non-accrual status. With the exception of this one loan totaling $4.7 million, which was paid off in May 2012, all of the land acquisition and development loans were secured by properties located in Washington and Oregon. At March 31, 2012, the Company had nine land acquisition and development loans totaling $13.0 million on non-accrual status compared to four land acquisition and development loans totaling $2.9 million on non-accrual status at March 31, 2011.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Real Estate Construction.&#160;&#160;</font>The Company originates three types of residential construction loans: (i) speculative construction loans, (ii) custom/presold construction loans and (iii) construction/permanent loans. The Company also originates construction loans for the development of business properties and multi-family dwellings. All of the Company&#8217;s real estate construction loans were made on properties located in Washington and Oregon.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">9</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The composition of the Company&#8217;s construction loan portfolio including undisbursed funds was as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="38%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="15" valign="bottom" width="47%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At March 31,</font></div>
</td>
</tr><tr>
<td valign="bottom" width="38%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="6" valign="bottom" width="22%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="7" valign="bottom" width="23%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
</tr><tr>
<td valign="bottom" width="38%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.7pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.7pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="3" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>
</td>
</tr><tr>
<td valign="bottom" width="38%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="15" valign="bottom" width="47%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="38%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Speculative construction</font></div>
</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,460</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34.87 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,322</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="38%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial/multi-family construction</font></div>
</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,096</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">58.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,684</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45.67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="38%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Custom/presold construction</font></div>
</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">202</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.61</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,609</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.05</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="38%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Construction/permanent</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,106</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.41</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,489</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.09</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="38%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,864</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,104</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font> <font style="DISPLAY: inline; FONT-SIZE: 10pt">Includes undisbursed funds of $7.1 million and $15.8 million at March 31, 2012 and 2011, respectively.</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has remained diligent in managing its construction loan portfolio and has continued to be successful at reducing its overall exposure to residential construction and commercial construction loans. At March 31, 2012, the balance of the Company&#8217;s construction loan portfolio, including loan commitments, was $32.9 million compared to $43.1 million at March 31, 2011. The $10.2 million reduction was a result of loan repayments and charge-offs reflecting the Company&#8217;s efforts to reduce its exposure to these types of loans. The Company plans to continue its focus on aggressively managing its construction loan portfolio in fiscal year 2013. Additionally, the Company has significantly slowed the origination of new construction loans. In general, the Company is only originating new construction loans to facilitate the sale of existing loans or real estate owned (&#8220;REO&#8221;) properties; or on a very limited basis to selected borrowers.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Speculative construction loans are made to home builders and are termed &#8220;speculative&#8221; because the home builder does not have, at the time of loan origination, a signed contract with a home buyer who has a commitment for permanent financing with either the Company or another lender for the finished home. The home buyer may be identified either during or after the construction period, with the risk that the builder will have to debt service the speculative construction loan and finance real estate taxes and other carrying costs of the completed home for a significant time after the completion of construction until a home buyer is identified. Included in speculative construction loans are loans to finance the construction of townhouses and condominiums. At March 31, 2012, loans for the construction of townhouses and condominiums totaled $1.3 million and $6.2 million, respectively. At March 31, 2012, the Company had two borrowers with aggregate outstanding loan balances of more than $1.0 million, which totaled $6.2 million (the largest of which was $5.0 million and was on non-accrual status) and were secured by properties located in the Company&#8217;s market area. At March 31, 2012, six speculative construction loans totaling $7.8 million were on non-accrual status.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The composition of speculative construction and land acquisition and development loans by geographical area is as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Northwest </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Oregon</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Oregon</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Southwest </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Washington</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Washington</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 10.1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;(In thousands)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="21%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land development</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,044</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,672</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,472</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,888</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="21%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Speculative construction</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,246</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,117</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,006</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">392</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,761</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: -9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total land and spec construction</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,290</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,789</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,478</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">392</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,649</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Unlike speculative construction loans, presold construction loans are made for homes that have buyers. Presold construction loans are made to homebuilders who, at the time of construction, have a signed contract with a home buyer who has a commitment for permanent financing for the finished home from the Company or another lender. Custom construction loans are made to the homeowner. Custom/presold construction loans are generally originated for a term of 12 months. At March 31, 2012, the Company had no custom construction loans in its portfolio. At March 31, 2012 the Company had one presold construction loan with an outstanding balance of $87,000 that was performing according to the original repayment terms.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Construction/permanent loans are originated to the homeowner rather than the homebuilder along with a commitment by the Company to originate a permanent loan to the homeowner to repay the construction loan at the completion of construction. The construction phase of a construction/permanent loan generally lasts six to nine months. At the completion of construction, the Company may either originate a fixed rate mortgage loan or an adjustable rate mortgage (&#8220;ARM&#8221;) loan or use its mortgage brokerage capabilities to obtain permanent financing for the customer with another lender. At completion of construction, the interest rate of the Company-originated fixed rate permanent loan is set at a market rate. For adjustable rate loans, the interest rates adjust on their first adjustment date.&#160;&#160;See &#8220;&#8212;Mortgage Brokerage,&#8221; and &#8220;&#8212;Mortgage Loan Servicing.&#8221; At March 31, 2012, the largest outstanding construction/permanent loan had an outstanding balance of $1.1 </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">10</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">million and was performing according to its original repayment terms. At March 31, 2012, the Company had no construction/permanent loans on non-accrual status.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company provides construction financing for non-residential business properties and multi-family dwellings. At March 31, 2012, such loans totaled $13.5<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font>million, or 52.3% of total real estate construction loans and 2.0% of total loans. Borrowers may be the business owner/occupier of the building who intend to operate their business from the property upon construction, or non-owner developers. The expected source of repayment of these loans is typically the sale or refinancing of the project upon completion of the construction phase. In certain circumstances, the Company may provide or commit to take-out financing upon construction. Take-out financing is subject to the project meeting specific underwriting guidelines. No assurance can be given that such take-out financing will be available upon project completion. These loans are secured by office buildings, retail rental space, mini storage facilities, assisted living facilities and multi-family dwellings located in the Company&#8217;s market area. At March 31, 2012, the largest commercial construction loan had a balance of $4.5 million and was performing according to its original repayment terms. At March 31, 2012, the Company had no commercial construction loan on non-accrual status.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Construction lending affords the Company the opportunity to achieve higher interest rates and fees with shorter terms to maturity than the rates and fees generated by its single-family permanent mortgage lending. Construction lending, however, generally involves a higher degree of risk than single-family permanent mortgage lending because of the inherent difficulty in estimating both a property&#8217;s value at completion of the project and the estimated cost of the project, as well as the time needed to sell the property at completion. The nature of these loans is such that they are generally more difficult to evaluate and monitor. Because of the uncertainties inherent in estimating construction costs, as well as the market value of the completed project and the effects of governmental regulation of real property, it is relatively difficult to evaluate accurately the total funds required to complete a project and the related loan-to-value ratio.&#160;This type of lending also typically involves higher loan principal amounts and is often concentrated with a small number of builders.&#160;As a result, construction loans often involve the disbursement of substantial funds with repayment dependent, in part, on the success of the ultimate project and the ability of the borrower to sell or lease the property or refinance the indebtedness, rather than the ability of the borrower or guarantor to repay principal and interest.&#160;If the appraisal of the value of the completed project proves to be overstated, we may have inadequate security for the repayment of the loan upon completion of construction of the project and may incur a loss. For additional information concerning the risks related to construction lending, see Item 1A. &#8220;Risk Factors &#8211; Our real estate construction and land acquisition and development loans are based upon estimates of costs and the value of the completed project.&#8221;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has originated construction and land acquisition and development loans where a component of the cost of the project was the interest required to service the debt during the construction period of the loan, sometimes known as interest reserves. The Company allows disbursements of this interest component as long as the project is progressing as originally projected and if there has been no deterioration in the financial standing of the borrower or the underlying project. If the Company makes a determination that there is such deterioration, or if the loan becomes nonperforming, the Company halts any disbursement of those funds identified for use in paying interest. In some cases, additional interest reserves may be taken by use of deposited funds or through credit lines secured by separate and additional collateral.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Consumer Lending. </font>Consumer loans totaled $137.0 million at March 31, 2012, comprised of $100.6 million of one-to-four family mortgage loans, $28.9 million of home equity lines of credit, $5.5 million of land loans to consumers for the future construction of one-to-four family homes and other secured and unsecured consumer loans, totaling $2.0 million at March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">One-to-four family residences located in the Company&#8217;s primary market area secure the majority of the residential loans. Underwriting standards require that one-to-four family portfolio loans generally be owner occupied and that loan amounts not exceed 80% (95% with private mortgage insurance) of the lesser of current appraised value or cost of the underlying collateral. Terms typically range from 15 to 30 years. The Company also offers balloon mortgage loans with terms of either five or seven years and originates both fixed rate mortgages and ARMs with repricing based on the one-year constant maturity U.S. Treasury index or other index.&#160;&#160;At March 31, 2012, the Company had sixteen residential real estate loans totaling $3.9 million on non-accrual status compared to seven loans totaling $975,000 at March 31, 2011. All of these loans were located in Oregon and Washington.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company made an effort to increase its one-to-four family loan portfolio with a focus on increasing certain high-quality mortgages. The Company began a mortgage program in April 2010 that offers competitive loan pricing for borrowers that meet our new increased underwriting standards for loan-to-value, credit scores, debt to income ratios and job history. The Company has $46.9 million in mortgage loans that were originated through this program. At March 31, 2012, the weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">11</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">average loan-to-value for these loans was 61.65%, the weighted average credit score was 786 and the weighted average debt to income ratio was 28.42%.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company originates a variety of installment loans, including loans for debt consolidation and other purposes, automobile loans, boat loans and savings account loans. Consumer loans generally entail greater risk than do residential mortgage loans, particularly in the case of consumer loans that are unsecured or secured by assets that depreciate rapidly, such as mobile homes, automobiles, boats and recreational vehicles. At March 31, 2012, the Company had no installment loans on non-accrual status.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Loan Maturity.</font> The following table sets forth certain information at March 31, 2012 regarding the dollar amount of loans maturing in the Company&#8217;s portfolio based on their contractual terms to maturity, but does not include potential prepayments.&#160;&#160;Demand loans, loans having no stated schedule of repayments and no stated maturity and overdrafts are reported as due in one year or less.&#160;&#160;Loan balances are reported net of deferred fees.</font></div>

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<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Within 1 </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1 &#8211; 3 Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">After 3 &#8211; 5 </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">After 5 &#8211; 10 </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Beyond 10 </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and construction:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="16" valign="bottom" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37,709</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,056</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,365</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,895</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,213</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Other real estate mortgage</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61,962</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,966</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,718</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">228,592</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,525</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">434,763</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate construction</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,176</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,971</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">408</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,236</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,791</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;Total commercial &amp; construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">121,847</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">108,993</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">64,083</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">242,895</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,974</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">547,792</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate one-to-four family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,083</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,117</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,616</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,634</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110,525</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">134,975</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Other installment</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">209</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">444</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">470</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">883</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,042</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,292</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,561</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,086</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,517</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110,561</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137,017</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">125,139</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115,554</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68,169</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">255,412</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120,535</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">684,809</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the dollar amount of all loans due after one year from March 31, 2012, which have fixed interest rates and have adjustable interest rates.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="27%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fixed</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adjustable</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="27%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="7" valign="top" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and Construction:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,347</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,182</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,529</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Other real estate mortgage</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,770</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">287,031</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">372,801</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate construction</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">409</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,206</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,615</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;Total commercial and construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">119,526</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">306,419</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">425,945</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate one-to-four family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,457</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,435</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">131,892</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Other installment</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,243</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">590</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,833</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;Total consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">93,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40,025</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">133,725</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">213,226</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">346,444</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">559,670</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Loan Commitments</font>. The Company issues commitments to originate commercial loans, other real estate mortgage loans, construction loans, residential mortgage loans and other installment loans conditioned upon the occurrence of certain events. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. Commitments to originate loans are conditional, and are honored for up to 45 days subject to the Company&#8217;s usual terms and conditions. Collateral is not required to support commitments. At March 31, 2012, the Company had outstanding commitments to originate loans of $22.5 million, compared to $8.1 million at March 31, 2011.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Mortgage Brokerage.</font> In addition to originating mortgage loans for retention in its portfolio, the Company employs three commissioned brokers who originate mortgage loans (including construction loans) for various mortgage companies, as well as for the Company. The loans brokered to mortgage companies are closed in the name of, and funded by the purchasing mortgage company and are not originated as an asset of the Company. In return, the Company receives a fee ranging from 1.5% to 2.0% of the loan amount that it shares with the commissioned broker. Loans brokered to the Company are closed on the Company's books and the commissioned broker receives a fee of approximately 0.62% of the loan amount. During the year ended March 31, 2012, brokered loans totaled $34.5 million (including $28.9 million brokered to the Company), compared to $41.5 million of brokered loans in fiscal year 2011. Gross fees of $318,000 (excluding the portion paid to the commissioned brokers) were earned for the year ended March 31, 2012. The interest rate environment has a strong influence </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">on the loan volume and amount of fees generated from the mortgage broker activity. In general, during periods of rising interest rates the volume of loans and the amount of loan fees generally decrease as a result of slower mortgage loan demand. Conversely, during periods of falling interest rates, the volume of loans and the amount of loan fees generally increase as a result of the increased mortgage loan demand.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Mortgage Loan Servicing.</font>&#160;&#160;The Company is a qualified servicer for the Federal Home Loan Mortgage Corporation (&#8220;FHLMC&#8221;).&#160;&#160;The Company generally sells fixed-rate residential one-to-four mortgage loans that it originates with maturities of 15 years or more and balloon mortgages to the FHLMC as part of its asset liability strategy.&#160;&#160;Mortgage loans are sold to FHLMC on a non-recourse basis whereby foreclosure losses are generally the responsibility of FHLMC and not the Company.&#160;&#160;The Company's general policy is to close its residential loans on the FHLMC modified loan documents to facilitate future sales to FHLMC.&#160;&#160;Upon sale, the Company continues to collect payments on the loans, to supervise foreclosure proceedings, and to otherwise service the loans. At March 31, 2012, total loans serviced for others were $108.8 million, of which $90.7 million were serviced for FHLMC.</font></div>

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<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Nonperforming Assets.</font>&#160;&#160;Loans are reviewed regularly and it is the Company&#8217;s general policy that when a loan is 90 days delinquent or when collection of principal or interest appears doubtful, it is placed on non-accrual status, at which time the accrual of interest ceases and a reserve for any unrecoverable accrued interest is established and charged against operations. Payments received on non-accrual loans are applied to reduce the outstanding principal balance on a cash-basis method.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Nonperforming assets were $62.9 million or 7.35% of total assets at March 31, 2012 compared with $39.9 million or 4.65% of total assets at March 31, 2011. The Company also had net charge-offs totaling $24.4 million during fiscal 2012 compared to $11.7 million during fiscal 2011. Credit quality challenges continue to be centered in residential land acquisition and development loans and speculative construction loans. The continuing weak real estate market in our primary market area resulted in slower sales and excess housing inventory and has continued to be the primary cause of the elevated levels of delinquencies and foreclosures for such loans. While the Company has not engaged in any sub-prime lending programs, the effect on home values, housing markets and construction lending from problems associated with sub-prime and other non-traditional mortgage lending programs has also contributed to the increased levels of builder and developer delinquencies during recent periods. Although it appears the economic conditions have stabilized, a prolonged weak economy in our market area could result in additional increases in nonperforming assets, further increases in the provision for loan losses and charge-offs in the future.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As noted above, the problem loans identified by the Company have continued to remain concentrated in speculative construction loans and land acquisition and development loans. During the current fiscal year, management continued its focus on managing these portfolios in an attempt to minimize the effects of declining home values and slower home sales. At March 31, 2012, the Company&#8217;s residential construction and land acquisition and development loan portfolios were $12.3 million and $38.9 million, respectively as compared to $18.8 million and $55.3 million at March 31, 2011. The percentage of nonperforming loans in the residential construction and land acquisition and development portfolios was 63.08% and 33.39%, respectively as compared to 22.40% and 5.26%, respectively, a year ago. For the year ended March 31, 2012, the charge-off ratio for the residential construction and land development portfolios was 13.51% and 22.92%, respectively.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Nonperforming loans were $44.2 million or 6.45% of total loans at March 31, 2012 compared with $12.3 million or 1.79% of total loans at March 31, 2011. Nonperforming loans increased due primarily to continued strains on borrowers as a result of the continued weak economic conditions in the Company&#8217;s primary market area. At March 31, 2012, nonperforming loans consisted of 59 loans to 48 borrowers ranging in size from $10,000 to $6.8 million. As noted above, land acquisition and development loans and speculative construction loans continue to represent the largest portion of our nonperforming loans, totaling $20.7 million, or 46.97%, of the total nonperforming loan balance at March 31, 2012. However, commercial real estate loans also increased to $14.0 million due primarily to a $6.8 million loan placed on non-accrual status in the fourth quarter. The remaining balance includes 16 commercial loans to 15 borrowers totaling $3.9 million, three multi-family loans to three borrowers totaling $1.6 million and 16 residential real estate loans to 14 borrowers totaling $3.9 million. All of these loans are to borrowers located in Oregon and Washington with the exception of one land acquisition and development loan totaling $4.7 million, which was sold in May 2012, to an Oregon borrower who has property located in Southern California and one commercial real estate loan totaling $2.3 million to a California borrower who has property in Southern California. At March 31, 2012, 41 of the Company&#8217;s nonperforming loans, totaling $42.4 million or 96.07% of total nonperforming loans, were measured for impairment. These loans have been charged down to their estimated fair market value less selling costs.&#160;&#160;The reserve associated with these impaired loans totaled $915,000 at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the largest single nonperforming loan was a commercial real estate loan totaling $6.8 million. Net charge-offs for this property totaled $411,000 for fiscal year 2012. This loan was measured for impairment and had a specific </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">reserve of $271,000 that is included in the allowance for loan losses.&#160;&#160;The Company believes that it is adequately reserved for this loan.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The balance of nonperforming assets included $18.7 million in REO at March 31, 2012. The REO was comprised of single-family homes totaling $1.1 million, residential building lots totaling $4.9 million, commercial real estate property totaling $7.1 million and land development property totaling $5.6 million.&#160;&#160;All of the REO properties are located in Oregon and Washington. As a result of the declining real estate values, the Company had $4.2 million in write-downs on existing REO properties during fiscal year 2012. Total REO sales were $11.7 million during fiscal year 2012. Maintenance and operating expenses for these properties totaled $859,000 during fiscal year 2012. The orderly resolution of nonperforming loans and REO properties remains a priority for management. Because of the uncertain real estate market, no assurance can be given as to the timing of ultimate disposition of such assets or that the selling price will be at or above the carrying value. Continued declines in market values in our area could lead to additional valuation adjustments, which would have an adverse effect on our results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth information regarding the Company&#8217;s nonperforming assets.</font></div>

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<table cellpadding="0" cellspacing="0" width="90%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="18" valign="bottom" width="58%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At March 31,</font></div>
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<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</font></div>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2008</font></div>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="18" valign="bottom" width="58%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans accounted for on a non-accrual basis:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,930</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,871</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,430</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,018</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,164</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate mortgage</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28,562</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,289</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,079</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,316</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,892</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,756</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,826</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,720</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,124</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,915</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">957</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,676</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,329</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">382</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44,163</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,323</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,011</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,383</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,562</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accruing loans which are contractually</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">past due 90 days or more</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">187</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total nonperforming loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44,163</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,323</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,011</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,570</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,677</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">REO</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,731</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,590</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,325</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,171</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">494</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total nonperforming assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,894</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,913</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49,336</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,741</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,171</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth information regarding the Company&#8217;s nonperforming assets by loan type and geographical area.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -9pt" align="left">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Northwest </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Oregon</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Oregon</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Southwest </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Washington</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Washington</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; March 31, 2012</font></div>
</td>
<td colspan="17" valign="bottom" width="57%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 10.1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
</tr><tr>
<td valign="top" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">194</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">746</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,990</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,930</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,867</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,735</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,348</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,950</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi Family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">627</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,627</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,902</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,383</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,985</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.15pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; One-to-four family construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,246</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,117</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">393</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,756</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="21%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate one-to-four family</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">678</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,048</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,915</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Total nonperforming loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,612</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,954</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,549</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,048</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44,163</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">REO</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,477</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,863</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,825</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,566</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,731</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total nonperforming assets</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,089</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,817</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,374</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,566</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,048</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,894</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In addition to the nonperforming assets set forth in the table above, at March 31, 2012 and 2011, the Company had other loans of concern totaling $41.9 million and $24.2 million, respectively. Other loans of concern at March 31, 2012 consisted of 61 loans to 43 borrowers. Included in other loans of concern at March 31, 2012 are 32 commercial loans totaling $9.5 million (the largest of which was $1.9 million), 16 commercial real estate loans totaling $21.2 million (the largest of which was $4.3 million), five multifamily loans totaling $6.6 million and eight land acquisition and development loans totaling $4.6 million. Other loans of concern consist of loans where the borrowers have cash flow problems, or the collateral securing the respective loans may be inadequate. In either or both of these situations, the borrowers may be unable to comply with the present loan repayment terms, and the loans may subsequently be included in the non-accrual category. Management considers the allowance for loan losses to be adequate to cover the probable losses inherent in these and other loans.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, loans delinquent 30 to 89 days were 1.29% of total loans compared to 1.13% at March 31, 2011. At March 31, 2012, the 30 to 89 day delinquency rate in our commercial business loan portfolio was 0.61%. The 30 to 89 day delinquency rate in our commercial real estate (&#8220;CRE&#8221;) portfolio was 1.62%. CRE loans represent the largest portion of our loan portfolio at 51.56% of total loans and the commercial business loans represent 12.74% of total loans.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">14</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Trouble debt restructurings (&#8220;TDR&#8221;) are loans where the Company, for economic or legal reasons related to the borrower's financial condition, has granted a concession to the borrower that it would otherwise not consider. A TDR typically involves a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, or an extension of the maturity date(s) at a stated interest rate lower than the current market rate for a new loan with similar risk.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">TDRs are considered impaired loans and as such, when a loan is deemed to be impaired, the amount of the impairment is measured using discounted cash flows using the original note rate, except when the loan is collateral dependent. In these cases, the estimated fair value of the collateral and when applicable, less selling costs, are used.&#160;&#160;Impairment is recognized as a specific component within the allowance for loan losses if the value of the impaired loan is less than the recorded investment in the loan.&#160;&#160;When the amount of the impairment represents a confirmed loss, it is charged off against the allowance for loan losses. At March 31, 2012 the Company had TDRs totaling $16.1 million of which $13.6 million were on accrual status. However, all of the Company&#8217;s TDRs are paying as agreed and none of the Company&#8217;s TDRs have defaulted since they were modified. The related amount of interest income recognized on these TDRs was $758,000 for the year ended March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has determined that, in certain circumstances, it is appropriate to split a loan into multiple notes. This typically includes a non-performing charged-off loan that is not supported by the cash flow of the relationship and a performing loan that is supported by the cash flow. These may also be split into multiple notes to align portions of the loan balance with the various sources of repayment when more than one exists. Generally the new loans are restructured based on customary underwriting standards. In situations where they were not, the policy exception qualifies as a concession, and the borrower is experiencing financial difficulties, the loans are accounted for as TDRs.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s general policy related to TDRs is to perform a credit evaluation of the borrower&#8217;s financial condition and prospects for repayment under the revised terms. This evaluation includes consideration of the borrower&#8217;s sustained historical repayment performance for a reasonable period of time. A sustained period of repayment performance generally would be a minimum of six months, and may include repayments made prior to the restructuring date. If repayment of principal and interest appears doubtful, it is placed on non-accrual status.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In accordance with the Company&#8217;s policy guidelines, unsecured loans are generally charged-off when no payments have been received for three consecutive months unless an alternative action plan is in effect. Consumer installment loans delinquent six months or more that have not received at least 75% of their required monthly payment in the last 90 days are charged-off. In addition, loans discharged in bankruptcy proceedings are charged-off. Loans under bankruptcy protection with no payments received for four consecutive months will be charged-off. The outstanding balance of a secured loan that is in excess of the net realizable value is generally charged-off if no payments are received for four to five consecutive months. However, charge-offs are postponed if alternative proposals to restructure, obtain additional guarantors, obtain additional assets as collateral or a potential sale would result in full repayment of the outstanding loan balance. Once any of these or other repayment potentials are considered exhausted the impaired portion of the loan is charged-off, unless an updated valuation of the collateral reveals no impairment. Regardless of whether a loan is unsecured or collateralized, once an amount is determined to be a confirmed loan loss it is promptly charged off.</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Asset Classification.</font> The OCC has adopted various regulations regarding problem assets of savings institutions. The regulations require that each insured institution review and classify its assets on a regular basis. In addition, in connection with examinations of insured institutions, OCC examiners have authority to identify problem assets and, if appropriate, require them to be classified. There are three classifications for problem assets:&#160;&#160;substandard, doubtful and loss (collectively &#8220;classified loans&#8221;). Substandard assets have one or more defined weaknesses and are characterized by the distinct possibility that the insured institution will sustain some loss if the deficiencies are not corrected.&#160;&#160;Doubtful assets have the weaknesses of substandard assets with the additional characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions and values questionable, and there is a high possibility of loss. An asset classified as loss is considered uncollectible and of such little value that continuance as an asset of the institution is not warranted.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">When the Company classifies problem assets as either substandard or doubtful, we may establish a specific allowance in an amount we deem prudent to address the risk specifically or we may allow the loss to be addressed in the general allowance. General allowances represent loss allowances which have been established to recognize the inherent risk associated with lending activities, but which, unlike specific allowances, have not been specifically allocated to particular problem assets. </font></div>

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<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

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<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">15</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
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</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">When a problem asset is classified by us as a loss, we are required to charge off the asset in the period in which it is deemed uncollectible.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The aggregate amount of the Company's classified loans, general loss allowances, specific loss allowances and charge-offs were as follows at the dates indicated:</font></div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="60%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.35pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At or For the Year</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ended March 31,</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="6" valign="bottom" width="22%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.4pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Classified loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">86,029</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,389</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">General loss allowances</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,319</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,923</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Specific loss allowances</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,602</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,045</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net charge-offs</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,397</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,749</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">All of the loans on non-accrual status as of March 31, 2012 were categorized as classified loans. Classified loans at March 31, 2012 were made up of six real estate construction loans totaling $7.8 million (the largest of which was $5.0 million), 48 commercial business loans totaling $13.5 million (the largest of these loans totaling $1.9 million), 17 land acquisition and development loans totaling $17.6 million (the largest of which was $4.7 million), 16 one-to-four family real estate loans totaling $3.9 million, eight multi-family loans totaling $8.2 million (the largest of which was $3.1 million) and 25 commercial real estate loans totaling $35.0 million (the largest of which was $6.8 million).</font></div>

<div style="TEXT-INDENT: 108pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><br>
<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Allowance for Loan Losses.</font> The Company maintains an allowance for loan losses to provide for probable losses inherent in the loan portfolio. The adequacy of the allowance is evaluated monthly to maintain the allowance at levels sufficient to provide for inherent losses existing at the balance sheet date. The key components to the evaluation are the Company&#8217;s internal loan review function by its credit administration, which reviews and monitors the risk and quality of the loan portfolio; as well as the Company&#8217;s external loan reviews and its loan classification systems. Credit officers are expected to monitor their portfolios and make recommendations to change loan grades whenever changes are warranted. Credit administration approves any changes to loan grades and monitors loan grades. <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">For additional discussion of the Company&#8217;s methodology for assessing the appropriate level of the allowance for loan losses see </font>Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8211; Critical Accounting Policies."</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the Company had an allowance for loan losses of $19.9 million, or 2.91% of total loans. The increase in the balance of the allowance for loan losses at March 31, 2012 reflects the increased levels of delinquent and classified loans, increased charge-offs as well as declines in real estate values. Nonperforming loans increased $31.8 million and 30-89 day delinquent loans increased $1.1 million during the year ended March 31, 2012. Classified assets were $86.0 million at March 31, 2012 compared to $36.4 million at March 31, 2011. The increase in nonperforming and classified loans can be attributable to the current economic conditions affecting these borrowers&#8217; repayment ability.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The coverage ratio of allowance for loan losses to nonperforming loans was 45.11% at March 31, 2012 compared to 121.46% at March 31, 2011. This coverage ratio decreased from March 31, 2011 primarily as a result of the increase in nonperforming loans. At March 31, 2012, 40 of the Company&#8217;s nonperforming loans, totaling $42.4 million or 96.07% of total nonperforming loans, were measured for impairment, with all of these loans being considered collateral dependent. The additional reserves associated with these impaired loans totaled $915,000 at March 31, 2012. As a result of adopting OCC regulatory guidance in connection with the change in our primary bank regulator from the OTS to the OCC, specific valuation allowance which had been recorded for impaired loans were charged-off. As a result of the charge-offs on these impaired loans the Company&#8217;s total allowance for loan losses did not increase proportionately to the increase in nonperforming and classified loans. However, the Company&#8217;s general valuation allowance to non-impaired loans increased from 1.96% at March 31, 2011 to 2.96% at March 31, 2012 reflecting the increase in nonperforming and classified loan balances.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management considers the allowance for loan losses to be adequate to <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">cover probable losses inherent in the loan portfolio based on the assessment of various factors affecting the loan portfolio</font> and the Company believes it has established its existing allowance for loan losses in accordance with accounting principles generally accepted in the United States of America (&#8220;generally accepted accounting principles&#8221; or "GAAP"). However, a further decline in local economic conditions, results of examinations by the Company&#8217;s regulators, or other factors could result in a material increase in the allowance for loan losses and may adversely affect the Company&#8217;s financial condition and results of operations. <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">In addition, because future events affecting borrowers and collateral cannot be predicted with certainty, there can be no assurance that the existing allowance for loan losses will be adequate or that substantial increases will not be necessary should the quality of any loans </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">16</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">deteriorate or should collateral values further decline as a result of the factors discussed elsewhere in this document. </font>The following table sets forth an analysis of the Company's allowance for loan losses for the periods indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2008</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="18" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance at beginning of year</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,642</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,687</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,653</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,350</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,075</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,900</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,150</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,900</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recoveries:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate mortgage</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">103</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total commercial and construction</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">135</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">82</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;Real estate one-to-four family</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;Other installment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total recoveries</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">150</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">58</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Charge-offs:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,801</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,371</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,466</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,311</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">794</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate mortgage</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,895</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,404</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,836</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,913</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,101</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,329</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,737</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,073</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total commercial and construction</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,797</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,104</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,039</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,297</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">836</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Consumer</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;Real estate one-to-four family</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,694</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">682</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,232</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">361</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;Other installment</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">56</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">232</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total consumer</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,750</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">703</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,282</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">593</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total charge-offs</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,547</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,807</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,321</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,890</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">905</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net charge-offs (recoveries)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,397</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,749</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,232</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,863</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">866</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="40%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance at end of year</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,921</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,642</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,687</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of allowance to total loans</font></div>

<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">outstanding at end of year</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.91 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.18 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.95 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.12 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.39 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of net charge-offs to average net loans outstanding during year</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of allowance to total nonperforming loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">121.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60.10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61.57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">139.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s allowance consists of specific, general and unallocated components. The Company&#8217;s specific allowance decreased from prior year due to an increase in charge-offs on impaired loans during the year. The general component increased from prior year due to an increase in the Company&#8217;s calculated historical loss rates as a result of the increase in charge-offs during the year. The unallocated component has remained elevated compared to historical levels as a result of the </font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">continued economic uncertainly.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">17</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the breakdown of the allowance for loan losses by loan category and is based on applying a specific loan loss factor to the outstanding balances of related loan category as of the date of the allocation for the periods indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="29" valign="bottom" width="95%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.9pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At March 31,</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td colspan="2" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</font></div>
</td>
<td colspan="2" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.9pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2008</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Category </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">as a </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">of Total </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Category </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">as a </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of Total </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
</td>
<td colspan="2" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Category </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">as a </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of Total </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="middle" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Category as a Percent of Total Loans</font></div>
</td>
<td colspan="2" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Category as a Percent</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">of Total Loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="30" valign="bottom" width="96%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9.15pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and construction:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="23%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,688</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.74</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,822</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.44</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,181</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.76</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,668</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15.87</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,339</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;14.28</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="23%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate mortgage</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,626</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63.49</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,919</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">67.19</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,028</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62.52</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,475</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55.88</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,415</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;55.97</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="23%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -50.4pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">412</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.76</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">820</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.98</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,137</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.27</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,592</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17.41</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,092</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19.37</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate one-to-four family</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,220</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19.71</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,294</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16.06</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,522</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.10</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,148</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.46</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">669</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.90</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other installment</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">54</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.30</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.33</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.35</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.38</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">64</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.48</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unallocated</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,921</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,068</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,722</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,030</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,108</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -63.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total allowance for loan loss</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,921</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,642</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,974</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,687</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">18</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div align="center">
<table border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
</table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block">
<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment Activities</font></div>

<br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Board sets the investment policy of the Company. The Company's investment objectives are: to provide and maintain liquidity within regulatory guidelines; to maintain a balance of high quality, diversified investments to minimize risk; to provide collateral for pledging requirements; to serve as a balance to earnings; and to optimize returns.&#160;&#160;The policy permits investment in various types of liquid assets permissible under OCC regulation, which includes U.S. Treasury obligations, securities of various federal agencies, "bank qualified" municipal bonds, certain certificates of deposit of insured banks, repurchase agreements, federal funds and mortgage-backed securities (&#8220;MBS&#8221;), but does not permit investment in non-investment grade bonds. The policy also dictates the criteria for classifying securities into one of three categories:&#160;&#160;held to maturity, available for sale or trading.&#160;&#160;At March 31, 2012, no investment securities were held for trading.&#160;&#160;<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">See </font>Item 7.&#160;&#160;&#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8211; Critical Accounting Policies."</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the Company&#8217;s investment portfolio totaled $8.0 million, primarily consisting of $5.0 million in U.S. agency securities available-for-sale, $974,000 in mortgage-backed securities available-for-sale, and $1.2 million in trust preferred securities available-for-sale. This compares with a total investment portfolio of $8.8 million at March 31, 2011, primarily consisting of $4.9 million in U.S. agency securities available-for-sale, $1.8 million in mortgage-backed securities available-for-sale, and $916,000 in a trust preferred securities available-for-sale. At March 31, 2012, the Company owned no privately issued mortgage-backed securities. The real estate mortgage investment conduits (&#8220;REMICS&#8221;) consists of FHLMC and Fannie Mae (&#8220;FNMA&#8221;) securities. The Company does not believe that it has any exposure to sub-prime lending in its mortgage-backed securities portfolio. See Note 4 of the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K for additional information.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the investment securities portfolio and carrying values at the dates indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="22%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="16" valign="bottom" width="59%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At March 31,</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Carrying</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Portfolio</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Carrying</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Portfolio</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Carrying</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Percent of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Portfolio</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="22%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="15" valign="bottom" width="58%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;(Dollars in thousands)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Held to maturity (at amortized cost):</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">REMICs</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.51</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.87</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">78</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.89</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">86</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.83</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">102</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.28</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.27</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.15</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.20</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">506</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.76</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">517</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.97</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="22%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.35</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">696</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.92</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">776</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.46</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Available for sale (at fair value):</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62.87</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,864</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55.32</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,017</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48.21</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">REMICs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">329</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.14</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">433</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.92</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">556</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.34</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">636</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.00</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,304</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.83</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,219</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21.33</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.11</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.45</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.51</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">149</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.87</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">540</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.14</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">743</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.14</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.66</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.42</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,042</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.01</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="22%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,288</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">91.65</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,097</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92.08</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,630</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92.54</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total investment securities</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,952</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,793</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,406</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100.00</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -10.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">19</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -10.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the maturities and weighted average yields in the securities portfolio at March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less Than One Year</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">One to Five Years</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">More Than Five to Ten </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">More Than</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ten Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yield <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yield <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yield <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yield <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="21" valign="bottom" width="68%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal securities</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.97</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">149</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.38</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
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<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">REMICs</font></div>
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<td align="right" valign="bottom" width="6%">
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<td align="right" valign="bottom" width="7%">
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
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<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</font></div>
</td>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td align="right" valign="bottom" width="6%">
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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">231</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
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</td>
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</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 5pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-</font></div>

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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
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</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">636</font></div>
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<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</font></div>
</td>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.99</font></div>
</td>
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</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 5pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-</font></div>

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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
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<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.31</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.52</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 5pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred </font></div>

<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 5pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160; securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.27</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,745</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.85</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.97</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
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<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
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</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,714</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.38</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)&#160;&#160;&#160;&#160;</font>For available for sale securities carried at fair value, the weighted average yield is computed using amortized cost without a tax equivalent</font></div>

<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">adjustment for tax-exempt obligations.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Investment securities available-for-sale were $6.3 million at March 31, 2012, compared to $6.3 million at March 31, 2011. Management reviews investment securities quarterly for the presence of other than temporary impairment (&#8220;OTTI&#8221;), taking into consideration current market conditions, the extent and nature of changes in fair value, issuer rating changes and trends, financial condition of the underlying issuers, current analysts&#8217; evaluations, the Company&#8217;s ability and intent to hold investments until a recovery of fair value, which may be maturity, as well as other factors. The investment security that the Company recognized a non-cash impairment charge on during the year ended March 31, 2010 is a collateralized debt obligation (&#8220;CDO&#8221;) secured by trust preferred securities issued by other bank holding companies. There was no impairment charge of this security for the years ended March 31, 2012 or 2011. Management believes that it is probable that principal payments will exceed the Company&#8217;s recorded investment in this security, that the Company does not intend to sell this security and it is not more likely than not that the Company will be required to sell this security before the anticipated recovery of the remaining amortized cost basis.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the market for the Company&#8217;s CDO was determined to be inactive in management&#8217;s judgment. This determination was made by the Company after considering the last known trade date for this specific security, the low number of transactions for similar types of securities, the significant widening of the bid-ask spread in the brokered markets in which these securities trade, the low number of new issuances for similar securities, the significant increase in the implied liquidity risk premium for similar securities, the lack of information that is released publicly and discussions with third-party industry analysts. Due to the inactivity in the market, observable market data was not readily available for all significant inputs for this security. Accordingly, the trust preferred pooled security was classified as Level 3 in the fair value hierarchy. Consistent with previous valuations, the Company determined that an income approach valuation technique (using cash flows and present value techniques) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs was the most appropriate valuation technique. Management used significant unobservable inputs that reflect our assumptions of what a market participant would use to price this security. Significant unobservable inputs included selecting an appropriate discount rate, default rate and repayment assumptions. The Company estimated the discount rate by comparing rates for similarly rated corporate bonds, with additional consideration given to market liquidity. The default rates and repayment assumptions were estimated based on the individual issuer&#8217;s financial condition, historical repayment information, as well as our future expectations of the capital markets. Using this information, the Company estimated the fair value of the security at March 31, 2012 to be $1.2 million.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Additionally, the Company received two independent Level 3 valuation estimates for this security. Those valuation estimates were based on proprietary pricing models utilizing significant unobservable inputs. Although the Company&#8217;s estimate of fair value fell outside the range of valuations provided, the magnitude in the range of fair value estimates further supported the difficulty in estimating the fair value for these types of securities in the current environment. Additionally, the </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">20</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Company believes that some of the assumptions used by the independent parties were overly aggressive and unrealistic. Therefore, the Company believes its valuation at March 31, 2012 is reasonable.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For additional information on our Level 3 fair value measurements see<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font>Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations &#8211; Comparison of Financial Condition at March 31, 2012 and 2011,&#8221; &#8220;Fair Value of Level 3 Assets,&#8221; and Note 17 of the Notes to the Consolidated Financial Statements contained in Item 8 of the Form 10-K.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposit Activities and Other Sources of Funds</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -1.35pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">General.</font> Deposits, loan repayments and loan sales are the major sources of the Company's funds for lending and other investment purposes. Loan repayments are a relatively stable source of funds, while deposit inflows and outflows and loan prepayments are significantly influenced by general interest rates and money market conditions. Borrowings may be used on a short-term basis to compensate for reductions in the availability of funds from other sources. They may also be used on a longer-term basis for general business purposes.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Deposit Accounts.</font> The Company attracts deposits from within its primary market area by offering a broad selection of deposit instruments, including demand deposits, negotiable order of withdrawal ("NOW") accounts, money market accounts, regular savings accounts, certificates of deposit and retirement savings plans. Historically, the Company has focused on retail deposits. Expansion in commercial lending has led to growth in business deposits including demand deposit accounts. Business checking accounts increased $34.2 million or 39.3% to $121.2 million at March 31, 2012 from $87.0 million at March 31, 2011. Deposit account terms vary according to the minimum balance required, the time periods the funds must remain on deposit and the interest rate, among other factors. In determining the terms of its deposit accounts, the Company considers the rates offered by its competition, profitability to the Company, matching deposit and loan products and customer preferences and concerns.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the average balances of deposit accounts offered by the Company at the dates indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="33%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="16" valign="bottom" width="64%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></font></div>
</td>
<td align="left" valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="4" valign="bottom" width="19%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="4" valign="bottom" width="20%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="4" valign="bottom" width="19%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-WEIGHT: bold">2010</font></font></td>
<td align="left" valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</font></font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</font></font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></font></div>
</td>
<td align="left" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</font></font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;<font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></font></div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></font></div>
</td>
<td align="left" valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="16" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></font></div>
</td>
<td align="left" valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -11.25pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest-bearing demand</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110,959</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.00</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">91,167</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.00</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,508</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.00</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest checking</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">96,764</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.29</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81,279</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.29</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79,444</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.42</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Regular savings accounts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40,345</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.31</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,124</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.47</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,526</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.55</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="33%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market accounts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">234,325</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.45</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">214,490</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.86</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">192,064</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.23</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="33%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">248,696</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.17</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">287,109</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.51</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">277,639</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.44</font></div>
</td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="33%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">731,089</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.60</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">708,169</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.93</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">666,181</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.45</font></div>
</td>
<td align="left" valign="bottom" width="3%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Deposit accounts totaled $744.5 million at March 31, 2012 compared to $716.5 million at March 31, 2011. The Company has seen a shift in deposit mix from higher costing certificates of deposits to lower costing transaction accounts and non-interest bearing accounts. Money market accounts increased $8.6 million at March 31, 2012 compared to March 31, 2011. Savings accounts increased $8.5 million at March 31, 2012 compared to March 31, 2011. For additional information regarding our deposit accounts, see Note 10 of the Notes to the Consolidated Financial Statements contained in Item 8 of the Form 10-K.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company did not have any wholesale-brokered deposits at March 31, 2012 and 2011. The Company continues to put forth a concerted effort to increase its core deposits and to focus deposit growth around customer relationships as opposed to obtaining deposits through the wholesale markets. However, the Company has continued to experience increased competition for customer deposits within its market area. Customer branch deposit balances increased $39.3 million since March 31, 2011. Overall, growth in deposits was reduced by a decrease in the average account balances of many of our real estate related customers reflecting the slowdown of home sales and the weak economic environment. Additionally, the Company had $37.2 million, or 5.0% of total deposits, in Certificate of Deposit Account Registry Service (&#8220;CDARS&#8221;) and Insured Cash Sweep (&#8220;ICS&#8221;) deposits, which were gathered from customers within the Company&#8217;s primary market-area. CDARS and ICS deposits allow customers access to FDIC insurance on deposits exceeding the $250,000 FDIC insurance limit. The Company is currently under the direction of a Supervisory Letter Directive regarding the Bank&#8217;s ability to increase and hold brokered deposits, including the Bank&#8217;s reciprocal CDARS and ICS programs, to no more than 20% of total deposits.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">21</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012 and 2011, deposits from RAMCorp. totaled $16.7 million and $22.8 million, respectively. These deposits were included in interest bearing and non-interest bearing accounts and represent assets under management by RAMCorp. At March 31, 2012, the Company also had $8.9 million in deposits from public entities located in the State of Washington and Oregon, all of which were fully covered by FDIC insurance or secured by pledged collateral.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is enrolled in an internet deposit listing service.&#160;&#160;Under this listing service, the Company may post certificates of deposit rates on an internet site where institutional investors have the ability to deposit funds with the Company. At March 31, 2012 and 2011, the Company had $21.9 million and $31.6 million, respectively, in deposits through this listing service. The Company plans to continue to reduce its balance of internet based deposits during fiscal year 2013.&#160;&#160;Furthermore, the Company may utilize the internet deposit listing service to purchase certificates of deposit at other financial institutions.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Deposit growth remains a key strategic focus for the Company and our ability to achieve deposit growth, particularly growth in core deposits, is subject to many risk factors including the effects of competitive pricing pressures, changing customer deposit behavior, and increasing or decreasing interest rate environments.&#160;&#160;Adverse developments with respect to any of these risk factors could limit the Company&#8217;s ability to attract and retain deposits and could have a material negative impact on the Company&#8217;s financial condition, results of operations and cash flows.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents the amount and weighted average rate of certificates of deposit equal to or greater than $100,000 at March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="60%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Maturity Period</font></font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.45pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average Rate</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" colspan="6" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Three months or less</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,267</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.71 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Over three through six months</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,999</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.88</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Over six through 12 months</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,527</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.80</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Over 12 Months</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,161</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">141,954</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.01 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Borrowings.</font> Deposits are the primary source of funds for the Company's lending and investment activities and for its general business purposes.&#160;&#160;The Company relies upon advances from the FHLB and borrowings from the Federal Reserve Bank of San Francisco (&#8220;FRB&#8221;) to supplement its supply of lendable funds and to meet deposit withdrawal requirements. Advances from the FHLB and borrowings from the FRB are typically secured by the Bank's commercial loans, commercial real estate loans, first mortgage loans and investment securities.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The FHLB functions as a central reserve bank providing credit for member financial institutions. As a member, the Bank is required to own capital stock in the FHLB and is authorized to apply for advances on the security of such stock and certain of its mortgage loans and other assets (primarily securities which are obligations of, or guaranteed by, the United States) provided certain standards related to creditworthiness have been met.&#160;&#160;The FHLB determines specific lines of credit for each member institution and the Bank has a line of credit with the FHLB equal to 30% of its total assets to the extent the Bank provides qualifying collateral and holds sufficient FHLB stock. At March 31, 2012, the Bank had no outstanding advances from the FHLB-Seattle under an available credit facility of $255.2 million, which is limited to available collateral.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank also has a borrowing arrangement with the FRB with an available credit facility of $106.5 million, subject to pledged collateral, as of March 31, 2012.&#160;&#160;At March 31, 2012, the Bank had no outstanding borrowings from the FRB.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">22</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables set forth certain information concerning the Company's FHLB advances and FRB borrowings at the dates and for the periods indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="10" valign="top" width="28%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At March 31,</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="9" valign="middle" width="26%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLB advances outstanding</font></div>
</td>
<td align="right" valign="bottom" width="2%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,000</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average rate on FHLB advances</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.64</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FRB borrowings outstanding</font></div>
</td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,000</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average rate on FRB advances</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.50</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="10" valign="top" width="32%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.9pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="9" valign="middle" width="30%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Maximum amounts of FHLB advances </font></div>

<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160; outstanding at any month end</font></div>
</td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average FHLB advances outstanding</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,877</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,116</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average rate on FHLB advances</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.25</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.73</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.07</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Maximum amounts of FRB borrowings </font></div>

<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160; outstanding at any month end</font></div>
</td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">145,000</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average FRB borrowings outstanding</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">192</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,978</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average rate on FRB borrowings</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.75</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.50</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.28</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the Company had two wholly-owned subsidiary grantor trusts totaling $22.7 million for the purpose of issuing trust preferred securities and common securities. The trust preferred securities accrue and pay distributions periodically at specified annual rates as provided in trust agreements. The trusts used the net proceeds from each of the offerings to purchase a like amount of junior subordinated debentures (the &#8220;Debentures&#8221;) of the Company. The Debentures are the sole assets of the trusts. The Company&#8217;s obligations under the Debentures and related documents, taken together, constitute a full and unconditional guarantee by the Company of the obligations of the trusts. The trust preferred securities are mandatorily redeemable upon maturity of the Debentures, or upon earlier redemption as provided in the indentures. The Company has the right to redeem the Debentures in whole or in part on or after specific dates, at a redemption price specified in the indentures governing the Debentures plus any accrued but unpaid interest to the redemption date.&#160;&#160;The Company also has the right to defer the payment of interest on each of the Debentures for a period not to exceed 20 consecutive quarters, provided that the deferral period does not extend beyond the stated maturity. During such deferral period, distributions on the corresponding trust preferred securities will also be deferred and the Company may not pay cash dividends to the holders of shares of our common stock. Beginning in the first quarter of fiscal 2011, the Company elected to defer regularly scheduled interest payments on its outstanding $22.7 million aggregate principal amount of Debentures and distributions on the corresponding trust preferred securities are also being deferred. The Company continued with the interest deferral through March 31, 2012. As of March 31, 2012, the Company had deferred a total of $2.6 million of interest payments. The common securities issued by the grantor trusts were purchased by the Company, and the Company&#8217;s investment in the common securities of $681,000 at March 31, 2012 and 2011 is included in prepaid expenses and other assets in the Consolidated Balance Sheets included in the Consolidated Financial Statements contained in Item 8 of the Form 10-K. See also Note 11 of the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Taxation</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For details regarding the Company&#8217;s taxes, see Item 8 &#8211; &#8220;Financial Statements and Supplementary Data - Note 12 of the Notes to the Consolidated Financial Statements.&#8221;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Personnel</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As of March 31, 2012, the Company had 224 full-time equivalent employees, none of whom are represented by a collective bargaining unit.&#160;&#160;The Company believes its relationship with its employees is good.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">23</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corporate Information</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s principal executive offices are located at 900 Washington Street, Vancouver, Washington 98660. Its telephone number is (360) 693-6650. The Company maintains a website with the address <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.riverviewbank.com</font>. The information contained on the Company&#8217;s website is not included as a part of, or incorporated by reference into, this Annual Report on Form 10-K. Other than an investor&#8217;s own internet access charges, the Company makes available free of charge through its website the Annual Report on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, and amendments to these reports, as soon as reasonably practicable after it has electronically filed such material with, or furnished such material to, the Securities and Exchange Commission (&#8220;SEC&#8221;).</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Subsidiary Activities</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Under OCC regulations, the Bank is authorized to invest up to 3% of its assets in subsidiary corporations, with amounts in excess of 2% only if primarily for community purposes. At March 31, 2012, the Bank&#8217;s investments of $1.1 million in Riverview Services, Inc. (&#8220;Riverview Services&#8221;), its wholly owned subsidiary, and $2.9 million in RAMCorp., an 85% owned subsidiary, were within these limitations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Riverview Services acts as a trustee for deeds of trust on mortgage loans granted by the Bank, and receives a reconveyance fee for each deed of trust. Riverview Services had net income of $19,000 for the fiscal year ended March 31, 2012 and total assets of $1.1 million at that date. Riverview Services&#8217; operations are included in the Consolidated Financial Statements of the Company contained in Item 8 of the Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">RAMCorp is an asset management company providing trust, estate planning and investment management services. RAMCorp commenced business in December 1998 and had net income of $522,000 for the fiscal year ended March 31, 2012 and total assets of $3.6 million at that date. RAMCorp earns fees on the management of assets held in fiduciary or agency capacity. At March 31, 2012, total assets under management totaled $359.6 million. RAMCorp&#8217;s operations are included in the Consolidated Financial Statements of the Company contained in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Position</font></font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Patrick Sheaffer</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Chairman of the Board and Chief Executive Officer</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ronald A. Wysaske</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">President and Chief Operating Officer</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">David A. Dahlstrom</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Executive Vice President and Chief Credit Officer</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Kevin J. Lycklama</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">John A. Karas</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Executive Vice President</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Executive Vice President Marketing and Operations</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font> <font style="DISPLAY: inline; FONT-SIZE: 10pt">At March 31, 2012</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Patrick Sheaffer</font> is<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font>Chairman of the Board and Chief Executive Officer<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font>of the Company and Chief Executive Officer of the Bank, positions he has held since February 2004. Prior to February 2004, Mr. Sheaffer served as Chairman of the Board, President and Chief Executive Officer of the Company since its inception in 1997. He became Chairman of the Board of the Bank in 1993. Mr. Sheaffer joined the Bank in 1963. He is responsible for leadership and management of the Company. Mr. Sheaffer is active in numerous professional and civic organizations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Ronald A. Wysaske</font> is President and Chief Operating Officer of the Bank, positions he has held since February 2004. Prior to February 2004, Mr. Wysaske served as Executive Vice President, Treasurer and Chief Financial Officer of the Bank from 1981 to 2004 and of the Company since its inception in 1997. He joined the Bank in 1976. Mr. Wysaske is responsible for daily operations and management of the Bank. He holds an M.B.A. from Washington State University and is active in numerous professional, educational and civic organizations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">David A. Dahlstrom</font> is Executive Vice President and Chief Credit Officer and is responsible for credit administration related to its commercial, mortgage and consumer loan activities.&#160;&#160;Prior to joining Riverview in May 2002, Mr. Dahlstrom spent 14 years with First Interstate Bank and progressed through a number of management positions, including serving as Senior Vice President of the Business Banking Group in Portland.&#160;&#160;In 1999, Mr. Dahlstrom joined a regional bank as Executive Vice President/Community Banking, responsible for all branch operations and small business banking.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Kevin J. Lycklama </font>is Executive Vice President and Chief Financial Officer of the Company, positions he has held since February 2008. Prior to February 2008, Mr. Lycklama served as Vice President and Controller of the Bank since 2006. Prior to joining Riverview, Mr. Lycklama spent five years with a local public accounting firm advancing to the level of audit manager.&#160;&#160;He is responsible for accounting, SEC reporting as well as treasury functions for the Bank and the Company. He holds a Bachelor of Arts degree from Washington State University and is a certified public accountant.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">John A. Karas</font> is Executive Vice President of the Bank and also serves as Chairman of the Board, President and CEO of its subsidiary, RAMCorp.&#160;&#160;Mr. Karas has been employed by the Company since 1999 and has over 30 years of trust experience.&#160;&#160;He is familiar with all phases of the trust business and his experience includes trust administration, trust legal counsel, investments and real estate. Mr. Karas received his B.A. from Willamette University and his Juris Doctor degree from Lewis &amp; Clark Law School&#8217;s Northwestern School of Law.&#160;&#160;He is a member of the Oregon, Multnomah County and American Bar Associations and is a Certified Trust and Financial Advisor.&#160;&#160;Mr. Karas is also active in numerous civic organizations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">James D. </font><font style="DISPLAY: inline; FONT-WEIGHT: bold">Baldovin</font> is Executive Vice President of Retail Banking and is responsible for the Bank&#8217;s branch banking network, customer service, sales and community development.&#160;&#160;Mr. Baldovin has been employed by the Bank since January 2003 and has over 25 years of banking expertise in developing and leading sales and service cultures. He holds a Bachelor of Arts degree in economics from Linfield College and is a graduate of the Pacific Coast Banking School.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Kim J. Capeloto </font>is Executive Vice President of Marketing and Operations. Mr. Capeloto has been employed by the Bank since September 2010. Mr. Capeloto has over 25 years of banking expertise serving as regional manager for Union Bank of California directing small business and personal banking activities. Mr. Capeloto also served as district manager for Wells Fargo Bank. Prior to joining the Bank, Mr. Capeloto held the position of President and Chief Executive Officer of the Vancouver Chamber of Commerce. Mr. Capeloto is active in numerous professional and civic organizations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REGULATION</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following is a brief description of certain laws and regulations, which are applicable to the Company and the Bank.&#160;&#160;The description of these laws and regulations, as well as descriptions of laws and regulations contained elsewhere herein, does not purport to be complete and is qualified in its entirety by reference to the applicable laws and regulations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Legislation is introduced from time to time in the United States Congress (&#8220;Congress&#8221;) that may affect the Company&#8217;s and Bank&#8217;s operations.&#160;&#160;In addition, the regulations governing the Company and the Bank may be amended from time to time by the OCC, the FDIC, the Board of Governors of the Federal Reserve System (&#8220;Federal Reserve&#8221; or &#8220;Federal Reserve Board&#8221;) or the SEC, as appropriate.&#160;&#160;Any such legislation or regulatory changes in the future could have an adverse effect<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font>on our operations and financial condition.&#160;&#160;We cannot predict whether any such changes may occur.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">General</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As a federally chartered savings institution, the Bank is subject to extensive regulation, examination and supervision by the OCC, as its primary federal regulator, and the FDIC, as the insurer of its deposits. Additionally, the Company is subject to extensive regulation, examination and supervision by the Federal Reserve Board as its primary federal regulator. The Bank is a member of the FHLB System and its deposit accounts are insured up to applicable limits by the Deposit Insurance Fund, which is administered by the FDIC. The Bank must file reports with the OCC and the FDIC concerning its activities and financial condition in addition to obtaining regulatory approvals prior to entering into certain transactions such as mergers with, or acquisitions of, other financial institutions. There are periodic examinations by the OCC, the Federal Reserve and under certain circumstances, the FDIC, to evaluate the Bank&#8217;s safety and soundness and compliance with various regulatory requirements. This regulatory structure establishes a comprehensive framework of activities in which the Bank may engage and is intended primarily for the protection of the insurance fund and depositors. The regulatory structure also gives the regulatory authorities extensive discretion in connection with their supervisory and enforcement activities and examination policies, including policies with respect to the classification of assets and the establishment of adequate loan loss reserves for regulatory purposes. Any change in such policies, whether by the OCC, the Federal Reserve, the FDIC or Congress, could have a material adverse impact on the Company and the Bank and their operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">On July 8, 2011, the Company announced that the Boards of the Company and the Bank adopted a Plan of Reorganization and Charter Conversion to convert the Bank from a federally chartered stock savings bank to a Washington commercial bank and to reorganize the Company as a bank holding company. In April 2012, the Company notified both the OCC and the FRB that it was withdrawing its application to convert to a commercial bank and bank holding company.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Federal Regulation of Savings Institutions</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Office of the Comptroller of the Currency.</font>&#160;&#160;The OCC has extensive authority over the operations of savings institutions.&#160;&#160;As part of this authority, the Bank is required to file periodic reports with the OCC and is subject to periodic examinations by the OCC. The OCC also has extensive enforcement authority over all savings institutions, including the Bank. This enforcement authority includes, among other things, the ability to assess civil money penalties, issue cease-and-desist or removal orders and initiate prompt corrective action orders.&#160;&#160;In general, these enforcement actions may be initiated for violations of laws and regulations and unsafe or unsound practices.&#160;&#160;Other actions or inactions may provide the basis for enforcement action, including misleading or untimely reports filed with the OCC. Except under certain circumstances, public disclosure of final enforcement actions by the OCC is required by law.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In January 2009, the Bank entered into a Memorandum of Understanding (&#8220;MOU&#8221;) with the Office of Thrift Supervision (&#8220;OTS&#8221;), at the time the Bank&#8217;s primary regulator. Following the transfer of the responsibilities and authority of the OTS to the OCC on July 21, 2011, the MOU was enforced by the OCC. On January 25, 2012, the Bank entered into a formal written agreement (&#8220;Agreement&#8221;) with the OCC. Upon effectiveness of the Agreement, the MOU was terminated by the OCC. The Agreement will remain in effect and enforceable until modified, waived or terminated in writing by the OCC.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Entry into the Agreement does not change the Bank&#8217;s &#8220;well capitalized&#8221; status as of the date of this Form 10-K. The Agreement is based on the findings of the OCC during its on-site examination of the Bank as of June 30, 2011 (&#8220;OCC Exam&#8221;). Since the completion of the OCC Exam, the Bank&#8217;s Board of Directors (&#8220;Board&#8221;) and its management have already successfully implemented initiatives and strategies to address and resolve a number of the issues noted in the Agreement. The Bank continues to work in cooperation with its regulators to bring its policies and procedures into conformity with the requirements contained in the Agreement.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Under the Agreement, the Bank is required to take the following actions: (a) refrain from paying dividends without prior OCC non-objection; (b) adopt, implement and adhere to a three year capital plan, including objectives, projections and implementation strategies for the Bank&#8217;s overall risk profile, dividend policy, capital requirements, primary capital structure sources and alternatives, various balance sheet items, as well as systems to monitor the Bank&#8217;s progress in meeting the plans, goals and objectives of the plan; (c) add a credit risk management function and appoint a Chief Lending Officer that is independent from the credit risk management function; (d) update the Bank&#8217;s credit policy and not grant, extend, renew or alter any loan over $250,000 without meeting certain requirements set forth in the Agreement; (e) adopt, implement and adhere to a program to ensure that risk associated with the Bank&#8217;s loans and other assets is properly reflected on the Bank&#8217;s books and records; (f) adopt, implement and adhere to a program to reduce the Bank&#8217;s criticized assets; (g) retain a consultant to perform semi-annual asset quality reviews of the Bank&#8217;s loan portfolio; (h) adopt, implement and adhere to policies related to asset diversification and reducing concentrations of credit; and (i) submit quarterly progress reports to the OCC regarding various aspects of the foregoing actions.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank&#8217;s Board must ensure that the Bank has the processes, personnel and control systems in place to ensure implementation of, and adherence to, the requirements of the Agreement.&#160;&#160;In connection with this requirement, the Bank&#8217;s Board has appointed a compliance committee to submit reports to the OCC and to monitor and coordinate the Bank&#8217;s performance under the Agreement.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank has also separately agreed to the OCC establishing higher minimum capital ratios for the Bank, specifically that the Bank maintain a Tier 1 capital (leverage) ratio of not less than 9.00% and a total risk-based capital ratio of not less than 12.00%. As of March 31, 2012, the Bank&#8217;s Tier 1 capital (leverage) ratio was 8.76% and its total risk-based capital ratio was 12.11%. Subsequent to March 31, 2012, the Company invested an additional $2.7 million into the Bank, increasing the Bank&#8217;s leverage ratio above the 9.00% minimum. The Bank has also entered into an agreement to sell $32 million of one-to-four family mortgage loans for a gain of $202,000. If completed, the sale could further increase the Bank&#8217;s leverage ratio an estimated 30 basis points.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">All savings institutions are required to pay assessments to the OCC to fund the agency's operations.&#160;&#160;The general assessments, paid on a semi-annual basis, are determined based on the savings institution's total assets, including consolidated subsidiaries.&#160;&#160;The Bank's OCC assessment for the fiscal year ended March 31, 2012 was $305,000.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank's general permissible lending limit for loans-to-one-borrower is equal to the greater of $500,000 or 15% of unimpaired capital and surplus (except for loans fully secured by certain readily marketable collateral, in which case this limit is increased to 25% of unimpaired capital and surplus). At March 31, 2012, the Bank's lending limit under this restriction was $13.7 million and, at that date, the Bank&#8217;s largest lending relationship with one borrower was $13.1 million, </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">which consisted of one commercial business loan with a commitment of $750,000 and three commercial real estate loans with a total commitment of $12.3 million. Each of these loans were performing according to their original payment terms at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The OCC&#8217;s oversight of the Bank includes reviewing its compliance with the customer privacy requirements imposed by the Gramm-Leach-Bliley Act of 1999 (&#8220;GLBA&#8221;) and the anti-money laundering provisions of the USA Patriot Act. The Gramm-Leach-Bliley privacy requirements place limitations on the sharing of consumer financial information with unaffiliated third parties. They also require each financial institution offering financial products or services to retail customers to provide such customers with its privacy policy and with the opportunity to &#8220;opt out&#8221; of the sharing of their personal information with unaffiliated third parties. The USA Patriot Act significantly expands the responsibilities of financial institutions in preventing the use of the United States financial system to fund terrorist activities. Its anti-money laundering provisions require financial institutions operating in the United States to develop anti-money laundering compliance programs and due diligence policies and controls to ensure the detection and reporting of money laundering. These compliance programs are intended to supplement existing compliance requirements under the Bank Secrecy Act and the Office of Foreign Assets Control Regulations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The OCC, as well as the other federal banking agencies, has adopted guidelines establishing safety and soundness standards on such matters as loan underwriting and documentation, asset quality, earnings standards, internal controls and audit systems, interest rate risk exposure and compensation and other employee benefits.&#160;&#160;Any institution that fails to comply with these standards must submit a compliance plan.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Federal Home Loan Bank System.</font>&#160;&#160;The Bank is a member of the FHLB of Seattle, which is one of 12 regional FHLBs that administer the home financing credit function of savings institutions.&#160;&#160;Each FHLB serves as a reserve or central bank for its members within its assigned region.&#160;&#160;It is funded primarily from proceeds derived from the sale of consolidated obligations of the FHLB System.&#160;&#160;It makes loans or advances to members in accordance with policies and procedures, established by the Board of Directors of the FHLB, which are subject to the oversight of the Federal Housing Finance Board.&#160;&#160;All advances from the FHLB are required to be fully secured by sufficient collateral as determined by the FHLB.&#160;&#160;In addition, all long-term advances are required to provide funds for residential home financing.&#160;&#160;See Business &#8211; &#8220;Deposit Activities and Other Sources of Funds &#8211; Borrowings.&#8221;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As a member, the Bank is required to purchase and maintain stock in the FHLB.&#160;&#160;At March 31, 2012, the Bank had $7.4 million in FHLB stock, which was in compliance with this requirement. The FHLB has reported a risk-based capital deficiency under the regulations of the Federal Housing Finance Agency (&#8220;FHFA&#8221;), its primary regulator as of December 31, 2008, and stated that it would suspend future dividends and the repurchase and redemption of outstanding common stock. As a result, the FHLB has stopped paying a dividend since the fourth quarter of 2008. The Bank is continually monitoring this issue. The FHLB has communicated to its members, including us, that it believes the calculation of risk-based capital under the current rules of the FHFA significantly overstates the market and credit risk of the FHLB&#8217;s private label mortgage backed securities in the current market environment and that it has enough capital to cover the risks reflected in the FHLB&#8217;s balance sheet. In addition, on October 25, 2010, the FHLB received a consent order from the FHFA. The potential impact of the consent order is unknown at this time. The consent order required, among other matters, the FHLB meet and maintains certain minimum financial requirements. The FHLB has communicated that with the exception of a retained earnings requirement, it is in compliance with the minimum financial requirements and has continued taking the specified actions and is working toward meeting the agreed-upon milestones and timelines for completing capital management, asset composition, and other operational and risk management improvements as indicated in the consent order. As a result, the Bank has not recorded an other-than-temporary impairment on its investment in FHLB stock. However, continued deterioration in the FHLB&#8217;s financial position may result in impairment in the value of those securities, or the requirement that the Bank contribute additional funds to recapitalize the FHLB, or reduce the Bank&#8217;s ability to borrow funds from the FHLB, which may impair the Bank&#8217;s ability to meet liquidity demands. We will continue to monitor the financial condition of the FHLB as it relates to, among other things, the recoverability of the Bank&#8217;s investment.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The FHLBs have continued and continue to contribute to low- and moderately-priced housing programs through direct loans or interest subsidies on advances targeted for community investment and low- and moderate-income housing projects.&#160;&#160;These contributions have in the past affected adversely the level of FHLB dividends paid and could continue to do so in the future if dividend payments resume. These contributions could also have an adverse effect on the value of FHLB stock in the future.&#160;&#160;A reduction in value of the Bank's FHLB stock may result in a corresponding reduction in the Bank's capital.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The FDIC assesses deposit insurance premiums on each FDIC-insured institution quarterly based on annualized rates for four risk categories applied to its deposits, subject to certain adjustments. Each institution is assigned to one of four risk categories based on its capital, supervisory ratings and other factors. Well capitalized institutions that are financially sound with only a few minor weaknesses are assigned to Risk Category I. Risk Categories II, III and IV present progressively greater risks to the DIF. Under FDIC&#8217;s risk-based assessment rules, effective April 1, 2011 through March 31, 2012, the initial base assessment rates prior to adjustments range from 5 to 9 basis points for Risk Category I, and are 14 basis points for Risk Category II, 23 basis points for Risk Category III, and 35 basis points for Risk Category IV.&#160;&#160;Initial base assessment rates are subject to adjustments based on an institution&#8217;s unsecured debt, secured liabilities and brokered deposits, such that the total base assessment rates after adjustments range from 2.5 to 9 basis points for Risk Category I, 9 to 24 basis points for Risk Category II, 18 to 33 basis points for Risk Category III, and 30 to 45 basis points for Risk Category IV.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As required by the Dodd-Frank Act, the FDIC has adopted rules effective April 1, 2011, under which insurance premium assessments are based on an institution&#8217;s total assets minus its tangible equity (defined as tier 1 capital) instead of its deposits. Under these rules, an institution with total assets of less than $10 billion will be assigned to a Risk Category as described above, and a range of initial base assessment rates will apply to each category, subject to adjustment downward based on unsecured debt issued by the institution and, except for an institution in Risk Category I, adjustment upward if the institution&#8217;s brokered deposits exceed 10% of its domestic deposits, to produce total base assessment rates. The FDIC may increase or decrease its rates by 2.0 basis points without further rulemaking. In an emergency, the FDIC may also impose a special assessment.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As a result of a decline in the reserve ratio (the ratio of the DIF to estimated insured deposits) and concerns about expected failure costs and available liquid assets in the DIF, the FDIC adopted a rule requiring each insured institution to prepay on December 30, 2009 the estimated amount of its quarterly assessments for the fourth quarter of 2009 and all quarters through the end of 2012 (in addition to the regular quarterly assessment for the third quarter which was due on December 30, 2009). The prepaid amount is recorded as an asset with a zero risk weight and the institution will continue to record quarterly expenses for deposit insurance. For purposes of calculating the prepaid amount, assessments were measured at the institution&#8217;s assessment rate as of September 30, 2009, with a uniform increase of 3 basis points effective January 1, 2011, and were based on the institution&#8217;s assessment base for the third quarter of 2009, with growth assumed quarterly at annual rate of 5%. If events cause actual assessments during the prepayment period to vary from the prepaid amount, institutions will pay excess assessments in cash or receive a rebate of prepaid amounts not exhausted after collection of assessments due on June 30, 2013, as applicable. Collection of the prepayment does not preclude the FDIC from changing assessment rates or revising the risk-based assessment system in the future. The rule includes a process for exemption from the prepayment for institutions whose safety and soundness would be affected adversely. The Bank prepaid $5.4 million in FDIC assessments during December 2009, which will be expensed until the prepaid amount has been fully utilized. The balance of the prepaid assessment was $2.1 million at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Dodd-Frank Act establishes 1.35% as the minimum reserve ratio. The FDIC has adopted a plan under which it will meet this ratio by September 30, 2020, the deadline imposed by the Dodd-Frank Act. The Dodd-Frank requires the FDIC to offset the effect on institutions with assets less than $10 billion of the increase in the statutory minimum reserve ratio to 1.35% from the former statutory minimum of 1.15%. The FDIC has not yet announced how it will implement this offset. In addition to the statutory minimum ratio, the FDIC must designate a reserve ratio, known as the designated reserve ratio (the &#8220;DRR&#8221;), which may exceed the statutory minimum. The FDIC has established 2.0% as the DRR. In addition, all institutions with deposits insured by the FDIC are required to pay assessments to fund interest payments on bonds issued by the Financing Corporation, an agency of the Federal government established to fund the costs of failed thrifts in the 1980&#8217;s. For the quarterly period ended March 31, 2012, the Financing Corporation assessment equaled 0.66 basis points for each $100 in domestic deposits. These assessments, which may be revised based upon the level of DIF deposits, will continue until the bonds mature in the years 2017 through 2019.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Under the Dodd-Frank Act, beginning on January 1, 2011, all non-interest bearing transaction accounts and Interest on Lawyer Trust Accounts (&#8220;IOLTA&#8221;) accounts qualify for unlimited deposit insurance by the FDIC through December 31, 2012.&#160;&#160;NOW accounts, which were previously fully insured under the Transaction Account Guarantee Program, are no longer eligible for an unlimited guarantee due to the expiration of this program on December 31, 2010.&#160;&#160;NOW accounts, along with all other deposits maintained at the Bank are now insured by the FDIC up to $250,000 per account owner.&#160;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In addition to the assessment for deposit insurance, institutions are required to make payments on bonds issued in the late 1980s by the Financing Corporation to recapitalize a predecessor deposit insurance fund. This payment is established quarterly and during the fiscal year ended March 31, 2012 averaged 3.5 basis points of assessable deposits. The Financing Corporation was chartered in 1987, by the Federal Home Loan Bank Board solely for the purpose of functioning as a vehicle for the recapitalization of the deposit insurance system.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As insurer, the FDIC is authorized to conduct examinations of and to require reporting by FDIC-insured institutions.&#160;&#160;It also may prohibit any FDIC-insured institution from engaging in any activity the FDIC determines by regulation or order to pose a serious threat to the DIF.&#160;&#160;The FDIC also has the authority to take enforcement actions against banks and savings associations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Dodd-Frank Act contains a number of provisions that will affect the capital requirements applicable to the Company and the Bank, including the requirement that thrift holding companies be subject to consolidated capital requirements, effective on the Designated Transfer Date. We cannot predict what impact such new regulations may have.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Prompt Corrective Action.</font>&#160;&#160;The OCC is required to take certain supervisory actions against undercapitalized savings institutions, the severity of which depends upon the institution's degree of undercapitalization.&#160;&#160;Generally, an institution that has a ratio of total capital to risk-weighted assets of less than 8%, a ratio of tier 1 (core) capital to risk-weighted assets of less than 4%, or a ratio of core capital to total assets of less than 4% (3% or less for institutions with the highest examination rating) is considered to be "undercapitalized."&#160;&#160;An institution that has a total risk-based capital ratio less than 6%, a tier 1 capital ratio of less than 3% or a leverage ratio that is less than 3% is considered to be "significantly undercapitalized" and an institution that has a tangible capital to assets ratio equal to or less than 2% is deemed to be "critically undercapitalized."&#160;&#160;Subject to a narrow exception, the OCC is required to appoint a receiver or conservator for a savings institution that is "critically undercapitalized."&#160;&#160;OCC regulations also require that a capital restoration plan be filed with the OCC within 45 days of the date a savings institution receives notice that it is "undercapitalized," "significantly undercapitalized" or "critically undercapitalized." In addition, numerous mandatory supervisory actions become immediately applicable to an undercapitalized institution, including, but not limited to, increased monitoring by regulators and restrictions on growth, capital distributions and expansion.&#160;&#160;&#8220;Significantly undercapitalized&#8221; and &#8220;critically undercapitalized&#8221; institutions are subject to more extensive mandatory regulatory actions.&#160;&#160;The OCC also could take any one of a number of discretionary supervisory actions, including the issuance of a capital directive and the replacement of senior executive officers and directors.&#160;&#160;At March 31, 2012, the Bank&#8217;s capital ratios met the "well capitalized" standards.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Qualified Thrift Lender Test.</font>&#160;&#160;All savings institutions, including the Bank, are required to meet a qualified thrift lender ("QTL") test to avoid certain restrictions on their operations.&#160;&#160;This test requires a savings institution to have at least 65% of its total assets, as defined by regulation, in qualified thrift investments on a monthly average for nine out of every 12 months on a rolling basis.&#160;&#160;As an alternative, the savings institution may maintain 60% of its assets in those assets specified in Section 7701(a) (19) of the Internal Revenue Code ("Code").&#160;&#160;Under either test, such assets primarily consist of residential housing related loans and investments.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Any institution that fails to meet the QTL test must either become a national bank or be prohibited from making new investments or engaging in activities not allowed for both a national bank and a savings association, from establishing a new branch unless such branch is allowable for a national bank, and from paying dividends unless allowable for a national bank; unless within one year it meets the test, and thereafter remains a qualified thrift lender. Any holding company of an institution that fails the test and does not re-qualify within a year must become a bank holding company. If such an institution has not converted to a bank within three years after it failed the test, it must divest of any investments and cease any activities not permissible for both a national bank and a savings association. The Company does not believe that any of its investments or operating activities would be prohibited under such circumstances. As of March 31, 2012, the Bank did not meet the QTL test.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The risk-based capital standard requires federal savings institutions to maintain tier 1 (core) and total capital (which is defined as core capital and supplementary capital) to risk-weighted assets of at least 4% and 8%, respectively. In determining the amount of risk-weighted assets, all assets, including certain off-balance sheet assets, recourse obligations, residual interests and direct credit substitutes, are multiplied by a risk-weight factor of 0% to 100%, assigned by the OCC capital regulation based on the risks believed inherent in the type of asset. Tier 1 (core) capital is defined as common stockholders&#8217; equity (including retained earnings), certain noncumulative perpetual preferred stock and related surplus and minority interests in equity accounts of consolidated subsidiaries, less intangibles other than certain mortgage servicing rights and credit card relationships. The components of supplementary capital currently include cumulative preferred stock, long-term perpetual preferred stock, mandatory convertible securities, subordinated debt and intermediate preferred stock, the allowance for loan and lease losses limited to a maximum of 1.25% of risk-weighted assets and up to 45% of unrealized gains on available-for-sale equity securities with readily determinable fair market values. Overall, the amount of supplementary capital included as part of total capital cannot exceed 100% of core capital.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The OCC also has authority to establish individual minimum capital requirements for financial institutions. As previously discussed, in January 2012, the Bank agreed to the OCC establishing minimum capital ratios for the Bank in excess of the minimum capital standards required under OCC&#8217;s Prompt Corrective Actions.&#160;&#160;Specifically, the Bank must achieve and maintain tier 1 (core) leverage ratio of 9% and total risk-based capital ratio of 12%.&#160;&#160;For additional information, see Item 1A, &#8220;Risk Factors &#8211; We are required to comply with the terms of an agreement with the OCC and a memorandum of understanding with the Federal Reserve and lack of compliance could result in monetary penalties and /or additional regulatory actions.&#8221; and Note 15 of the Notes to Consolidated Financial Statements included in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Limitations on Capital Distributions.</font>&#160;&#160;OCC regulations impose various restrictions on savings institutions with respect to their ability to make distributions of capital, which include dividends, stock redemptions or repurchases, cash-out mergers and other transactions charged to the capital account. Generally, savings institutions, such as the Bank, that before and after the proposed distribution are well-capitalized, may make capital distributions during any calendar year equal to up to 100% of net income for the year-to-date plus retained net income for the two preceding years. However, an institution deemed to be in need of more than normal supervision by the OCC, such as the Bank, may have its dividend authority restricted by the OCC. In accordance with the provisions of the Agreement, the Bank may not pay dividends to the Company without prior approval of the OCC.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Generally, savings institutions proposing to make any capital distribution need not submit written notice to the OCC prior to such distribution unless they are a subsidiary of a holding company or would not remain well capitalized following the distribution.&#160;&#160;Savings institutions that do not, or would not meet their current minimum capital requirements following a proposed capital distribution or propose to exceed these net income limitations, must obtain OCC approval prior to making such distribution.&#160;&#160;The OCC may object to the distribution during that 30-day period based on safety and soundness concerns.&#160;&#160;See "- Capital Requirements."</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Activities of Associations and their Subsidiaries.</font>&#160;&#160;When a savings institution establishes or acquires a subsidiary or elects to conduct any new activity through a subsidiary that the association controls, the savings institution must file a notice or application with the FDIC and the OCC at least 30 days in advance and receive regulatory approval or non-objection.&#160;&#160;Savings institutions also must conduct the activities of subsidiaries in accordance with existing regulations and orders.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The OCC may determine that the continuation by a savings institution of its ownership control of, or its relationship to, the subsidiary constitutes a serious risk to the safety, soundness or stability of the association or is inconsistent with sound banking practices or with the purposes of the FDIC.&#160;&#160;Based upon that determination, the FDIC or the OCC has the authority to order the savings institution to divest itself of control of the subsidiary.&#160;&#160;The FDIC also may determine by regulation or order that any specific activity poses a serious threat to the Deposit Insurance Fund.&#160;&#160;If so, it may require that no FDIC insured institution engage in that activity directly.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Transactions with Affiliates.</font> The Bank&#8217;s authority to engage in transactions with &#8220;affiliates&#8221; is limited by OCC regulations and by Sections 23A and 23B of the Federal Reserve Act as implemented by the Federal Reserve Board&#8217;s Regulation W. The term &#8220;affiliates&#8221; for these purposes generally means any company that controls or is under common control with an institution. The Company and its non-savings institution subsidiaries are affiliates of the Bank. In general, transactions with affiliates must be on terms that are as favorable to the institution as comparable transactions with non-affiliates. In addition, certain types of transactions are restricted to an aggregate percentage of the institution&#8217;s capital. Collateral in specified amounts must be provided by affiliates in order to receive loans from an institution. In addition, savings institutions are prohibited from lending to any affiliate that is engaged in activities that are not permissible for bank holding companies and no savings institution may purchase the securities of any affiliate other than a subsidiary.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Sarbanes-Oxley Act of 2002 <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">("Sarbanes-Oxley Act") </font>generally prohibits a company from making loans to its executive officers and directors. However, that act contains a specific exception for loans by a depository institution to its executive officers and directors in compliance with federal banking laws. Under such laws, the Bank&#8217;s authority to extend credit to executive officers, directors and 10% stockholders of the Bank and its affiliates (&#8220;insiders&#8221;), as well as entities such persons control is limited. The law restricts both the individual and aggregate amount of loans the Bank may make to insiders based, in part, on the Bank&#8217;s capital position and requires certain Board approval procedures to be followed. Such loans must be made on terms substantially the same as those offered to unaffiliated individuals and not involve more than the normal risk of repayment. There is an exception for loans made pursuant to a benefit or compensation program that is widely available to all employees of the institution and does not give preference to insiders over other employees. There are additional restrictions applicable to loans to executive officers.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Community Reinvestment Act.</font>&#160;&#160;Under the Community Reinvestment Act (&#8220;CRA&#8221;), every FDIC-insured institution has a continuing and affirmative obligation consistent with safe and sound banking practices to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA does not establish specific lending requirements or programs for financial institutions nor does it limit an institution's discretion to develop the types of products and services that it believes are best suited to its particular community, consistent with the CRA.&#160;&#160;The CRA requires the OCC, in connection with the examination of the Bank, to assess the institution's record of meeting the credit needs of its community and to take such record into account in its evaluation of certain applications, such as a merger or the establishment of a branch, by the Bank.&#160;&#160;An unsatisfactory rating may be used as the basis for the denial of an application by the OCC.&#160;&#160;Due to the heightened attention being given to the CRA in the past few years, the Bank may be required to devote additional funds for investment and lending in its local community. The Bank received a satisfactory rating during its most recent examination.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Enforcement.</font>&#160;&#160;The OCC has primary enforcement responsibility over savings institutions and has the authority to bring action against all "institution-affiliated parties," including shareholders, and any attorneys, appraisers and accountants who knowingly or recklessly participate in wrongful action likely to have an adverse effect on an insured institution.&#160;&#160;Formal enforcement action may range from the issuance of a capital directive or cease and desist order to removal of officers or directors, receivership, conservatorship or termination of deposit insurance.&#160;&#160;Civil penalties cover a wide range of violations and can range from $25,000 to $1.1 million per day.&#160;&#160;The FDIC has the authority to recommend to the OCC that enforcement action be taken with respect to a particular savings institution.&#160;&#160;If action is not taken by the Director, the FDIC has authority to take such action under certain circumstances. Federal law also establishes criminal penalties for certain violations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">General.</font>&#160;&#160;The Company is a unitary savings and loan holding company subject to regulatory oversight of the Federal Reserve.&#160;&#160;Accordingly, the Company is required to register and file reports with the Federal Reserve and is subject to regulation and examination by the Federal Reserve. In addition, the Federal Reserve has enforcement authority over the Company and its non-savings institution subsidiaries, which also permits the Federal Reserve to restrict or prohibit activities that are determined to present a serious risk to the subsidiary savings institution.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In October 2009, the Company also entered into a separate MOU agreement with the OTS which is now enforced by the Federal Reserve the successor to the OTS. This MOU requires the Company to: (a) provide notice to and obtain written non-objection from the Federal Reserve prior to the Company declaring a dividend or redeeming any capital stock or receiving dividends or other payments from the Bank; (b) provide notice to and obtain written non-objection from the Federal Reserve prior to the Company incurring, issuing, renewing or repurchasing any new debt; and (c) submit quarterly updates to its written operations plan and consolidated capital plan.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company believes it is currently in compliance with all of the requirements of the MOU through its normal business operations.&#160;&#160;These requirements will remain in effect until modified or terminated by the Federal Reserve.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Activities Restrictions.</font> The GLBA provides that no company may acquire control of a savings association after May 4, 1999 unless it engages only in the financial activities permitted for financial holding companies under the law or for multiple savings and loan holding companies as described below. Further, the GLBA specifies that, subject to a grandfather provision, existing savings and loan holding companies may only engage in such activities. The Company qualifies for the grandfathering and is therefore not restricted in terms of its activities. Upon any non-supervisory acquisition by the Company of another savings association as a separate subsidiary, the Company would become a multiple savings and loan holding company and would be limited to activities permitted multiple holding companies by Federal Reserve regulation. Federal Reserve has issued an interpretation concluding that multiple savings holding companies may also engage in activities permitted for financial holding companies, including lending, trust services, insurance activities and underwriting, investment banking and real estate investments.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Mergers and Acquisitions.</font> The Company must obtain approval from the Federal Reserve before acquiring more than 5% of the voting stock of another savings institution or savings and loan holding company or acquiring such an institution or holding company by merger, consolidation or purchase of its assets.&#160;&#160;In evaluating an application for the Company to acquire control of a savings institution, the Federal Reserve would consider the financial and managerial resources and future prospects of the Company and the target institution, the effect of the acquisition on the risk to the Deposit Insurance Fund, the convenience and the needs of the community and competitive factors.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Federal Reserve may not approve any acquisition that would result in a multiple savings and loan holding company controlling savings institutions in more than one state, subject to two exceptions; (i) the approval of interstate supervisory acquisitions by savings and loan holding companies and (ii) the acquisition of a savings institution in another state if the laws of the state of the target savings institution specifically permit such acquisitions. The states vary in the extent to which they permit interstate savings and loan holding company acquisitions.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Acquisition of the Company.</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font>Any company, except a bank holding company, that acquires control of a savings association or savings and loan holding company becomes a &#8220;savings and loan holding company&#8221; subject to registration, examination and regulation by the Federal Reserve and must obtain the prior approval of the Federal Reserve under the Savings and Loan Holding Company Act before obtaining control of a savings association or savings and loan holding company.&#160;&#160;A bank holding company must obtain the prior approval of the Federal Reserve under the Bank Holding Company Act before obtaining control of a savings association or savings and loan holding company and remains subject to regulation under the Bank Holding Company Act.&#160;&#160;The term &#8220;company&#8221; includes corporations, partnerships, associations, and certain trusts and other entities.&#160;&#160;&#8220;Control&#8221; of a savings association or savings and loan holding company is deemed to exist if a company has voting control, directly or indirectly of more than 25% of any class of the savings association&#8217;s voting stock or controls in any manner the election of a majority of the directors of the savings association or savings and loan holding company, and may be presumed under other circumstances, including, but not limited to, holding 10% or more of a class of voting securities if the institution has a class of registered securities, as Riverview Bancorp, Inc. has.&#160;&#160;Control may be direct or indirect and may occur through acting in concert with one or more other persons.&#160;&#160;In addition, a savings and loan holding company must obtain Federal Reserve approval prior to acquiring voting control of more than 5% of any class of voting stock of another savings association or another savings association holding company.&#160;&#160;A similar provision limiting the acquisition by a bank holding company of 5% or more of a class of voting stock of any company is included in the Bank Holding Company Act.</font></div>

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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">before any savings and loan holding company or bank holding company could acquire 5% or more of the common stock of Riverview Bancorp, Inc.; and</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">before any other company could acquire 25% or more of the common stock of Riverview Bancorp, Inc., and may be required for an acquisition of as little as 10% of such stock.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Centralize responsibility for consumer financial protection by creating a new agency within the Federal Reserve Board, the Bureau of Consumer Financial Protection, with broad rulemaking, supervision and enforcement authority for a wide range of consumer protection laws that would apply to all banks and thrifts.&#160;&#160;Smaller financial institutions, including the Banks, will be subject to the supervision and enforcement of their primary federal banking regulator with respect to the federal consumer financial protection laws.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Require the federal banking regulators to promulgate new capital regulations and seek to make their capital requirements countercyclical, so that capital requirements increase in times of economic expansion and decrease in times of economic contraction. Savings and loan holding companies, like the Company, will be subject to the same capital requirements as bank holding companies in 2015.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Provide for new disclosure and other requirements relating to executive compensation and corporate governance.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Made permanent the $250,000 limit for federal deposit insurance and provide unlimited federal deposit insurance until January 1, 2013 for non-interest-bearing demand transaction accounts at all insured depository institutions.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Effective July 21, 2011, repealed the federal prohibitions on the payment of interest on demand deposits, thereby permitting depository institutions to pay interest on business transaction and other accounts.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Required all depository institution holding companies to serve as a source of financial strength to their depository institution subsidiaries in the event such subsidiaries suffer from financial distress.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Many aspects of the Dodd-Frank Act are subject to rulemaking and will take effect over several years, making it difficult to anticipate the overall financial impact on the Company and the financial services industry more generally. Provisions in the legislation that require revisions to the capital requirements of the Company and the Bank could require the Company and the Bank to seek additional sources of capital in the future.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Item1A.&#160;&#160;Risk Factors</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">An investment in our common stock is subject to risks inherent in our business. Before making an investment decision, you should carefully consider the risks and uncertainties described below together with all of the other information included in this report. In addition to the risks and uncertainties described below, </font><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">other </font><font style="DISPLAY: inline; FONT-WEIGHT: bold">risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially and adversely affect our business, financial condition and results of operations.</font> <font style="DISPLAY: inline; FONT-WEIGHT: bold">The value or market price of our common stock could decline due to any of these identified or other risks, and you could lose all or part of your investment.&#160;&#160;The risks below also include forward-looking statements. This report is qualified in its entirety by these risk factors.</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We are required to comply with the terms of an agreement with the OCC and a memorandum of understanding with the Federal Reserve and lack of compliance could result in monetary penalties and /or additional regulatory actions.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In January 2009, Riverview Community Bank, the Company&#8217;s wholly-owned banking subsidiary, entered into a Memorandum of Understanding (&#8220;MOU&#8221;) with the Office of Thrift Supervision (&#8220;OTS&#8221;), at the time the Bank&#8217;s primary regulator. Following the transfer of the responsibilities and authority of the OTS to the Office of the Comptroller of the Currency (&#8220;OCC&#8221;) on July 21, 2011, the MOU was enforced by the OCC. On January 25, 2012, the Bank entered into a formal written agreement (&#8220;Agreement&#8221;) with the OCC. Upon effectiveness of the Agreement, the MOU was terminated by the OCC.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Agreement is based on the findings of the OCC during their on-site examination of the Bank as of June 30, 2011 (&#8220;OCC Exam&#8221;). Since the completion of the OCC Exam, we have aggressively worked to address the findings of the OCC Exam and have already successfully implemented initiatives and strategies to address and resolve a number of the issues noted in the Agreement. Under the Agreement, the Bank is required to take the following actions: (a) refrain from paying dividends without prior OCC non-objection; (b) adopt, implement and adhere to a three year capital plan, including objectives, projections and implementation strategies for the Bank&#8217;s overall risk profile, dividend policy, capital requirements, primary capital structure sources and alternatives, various balance sheet items, as well as systems to monitor the Bank&#8217;s progress in meeting the plans, goals and objectives of the plan; (c) add a credit risk management function and appoint a Chief Lending Officer that is independent from the credit risk management function; (d) update the Bank&#8217;s credit policy and not grant, extend, renew or alter any loan over $250,000 without meeting certain requirements set forth in the Agreement; (e) adopt, implement and adhere to a program to ensure that risk associated with the Bank&#8217;s loans and other assets is properly reflected on the Bank&#8217;s books and records; (f) adopt, implement and adhere to a program to reduce the Bank&#8217;s criticized assets; (g) maintain a consultant to perform semi-annual asset quality reviews of the Bank&#8217;s loan portfolio; (h) adopt, implement and adhere to policies related to asset diversification and reducing concentrations of credit; and (i) submit quarterly progress reports to the OCC regarding various aspects of the foregoing actions.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank&#8217;s Board must ensure that the Bank has the processes, personnel and control systems in place to ensure implementation of and adherence to the requirements of the Agreement.&#160;&#160;In connection with this requirement, the Bank&#8217;s Board has appointed a compliance committee to submit such reports and monitor and coordinate the Bank&#8217;s performance under the Agreement.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In October 2009, Riverview Bancorp, Inc. (the &#8220;Company&#8221;) entered into a separate MOU agreement with the OTS which is now enforced by the Board of Governors of the Federal Reserve System (&#8220;Federal Reserve&#8221;) as the successor to the OTS. The MOU requires the Company to: (a) provide notice to and obtain written non-objection from the Federal Reserve prior to the Company declaring a dividend or redeeming any capital stock or receiving dividends or other payments from the Bank; (b) provide notice to and obtain written non-objection from the Federal Reserve prior to the Company incurring, issuing, renewing or repurchasing any new debt; and (c) submit quarterly updates to its written operations plan and consolidated capital plan.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The MOU and Agreement will remain in effect until stayed, modified, terminated or suspended by the Federal Reserve and OCC, respectively. If either the Company or Bank is found not in compliance with the MOU or Agreement, as the case may be, it could be subject to various remedies, including among others, the power to enjoin &#8220;unsafe or unsound&#8221; practices, to require affirmative action to correct any conditions resulting from any violation or practice, to direct an increase in capital, to restrict the growth of the Company or the Bank, to remove officers and/or directors, and to assess civil monetary penalties. Management of the Company and the Bank have been taking action and implementing programs to comply with the requirements of the MOU and Agreement and compliance will be determined by the Federal Reserve and OCC, respectively. Management believes that the Company and the Bank have or will comply in all material respects with the provisions of the MOU and Agreement. Either of these regulators may determine, however, in its sole discretion that the issues raised by the MOU or the Agreement have not been addressed satisfactorily, or that any current or past actions, violations or deficiencies </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">could be the subject of further regulatory enforcement actions. Such enforcement actions could involve penalties or limitations on the business of the Bank or the Company and negatively affect our ability to implement our business plan, pay dividends on our common stock and the value of our common stock as well as our financial condition and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank has also separately agreed to the OCC establishing higher minimum capital ratios for the Bank, specifically that the Bank maintain a Tier 1 capital (leverage) ratio of not less than 9.00% and a total risk-based capital ratio of not less than 12.00%. As of March 31, 2012, the Bank&#8217;s Tier 1 capital (leverage) ratio was 8.76% and its total risk-based capital ratio was 12.11%. Subsequent to March 31, 2012, the Company invested an additional $2.7 million into the Bank, increasing the Bank&#8217;s leverage ratio above the 9.00% minimum. The Bank has also entered into an agreement to sell $32 million of one-to-four family mortgage loans for a gain of $202,000. If completed, the sale could further increase the Bank&#8217;s leverage ratio an estimated 30 basis points.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The current weak economy in the market areas we serve may continue to adversely impact our earnings and could increase the credit risk associated with our loan portfolio.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Substantially all of our loans are to businesses and individuals in the states of Washington and Oregon. A continuing decline in the economies of the seven counties, in which we operate, including the Portland, Oregon metropolitan area, which we consider to be our primary market area, could have a material adverse effect on our business, financial condition, results of operations and prospects.&#160;&#160;In particular, Washington and Oregon have experienced substantial home price declines and increased foreclosures and have experienced above average unemployment rates.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A further deterioration in economic conditions in the market areas we serve could result in the following consequences, any of which could have a materially adverse impact on our business, financial condition and results of operations:</font></div>

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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">loan delinquencies, problem assets and foreclosures may increase;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">demand for our products and services may decline;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">collateral for loans made may decline further in value, in turn reducing customers&#8217; borrowing power, reducing the value of assets and collateral associated with existing loans; and</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">the amount of our low-cost or non-interest bearing deposits may decrease.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Our real estate construction and land acquisition or development loans are based upon estimates of costs and the value of the completed project.</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We make real estate construction loans to individuals and builders, primarily for the construction of residential properties. We originate these loans whether or not the collateral property underlying the loan is under contract for sale. At March 31, 2012, construction loans totaled $25.8 million, or 3.8% of our total loan portfolio, of which $12.3 million were for residential real estate projects. Land loans, which are loans made with land as security, totaled $38.9 million, or 5.7%, of our total loan portfolio at March 31, 2012. Land loans include raw land and land acquisition and development loans.&#160;&#160;In our primary market area, the housing market has slowed, with weaker demand for housing, higher inventory levels and longer marketing times. A further downturn in housing, or the real estate market, could increase loan delinquencies, defaults and foreclosures, and significantly impair the value of our collateral and our ability to sell the collateral upon foreclosure.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In general, construction, and land lending involves additional risks because of the inherent difficulty in estimating a property's value both before and at completion of the project as well as the estimated cost of the project. Construction costs may exceed original estimates as a result of increased materials, labor or other costs. In addition, because of current uncertainties in the residential real estate market, property values have become more difficult to determine than they have historically been. Construction loans and land acquisition and development loans often involve the disbursement of funds with repayment dependent, in part, on the success of the project and the ability of the borrower to sell or lease the property or refinance the indebtedness, rather than the ability of the borrower or guarantor to repay principal and interest. These loans are also generally more difficult to monitor. Loans on land under development or held for future construction as well as lot loans made to individuals for the future construction of a residence also pose additional risk because of the lack of income being produced by the property and the potential illiquid nature of the collateral. These risks can be significantly impacted by supply and demand conditions. In addition, speculative construction loans to a builder are often associated with homes that are not pre-sold, and thus pose a greater potential risk than construction loans to individuals on their personal residences. At March 31, 2012, $49.6 million of our construction and land loans were for speculative construction loans, of which, $20.7 million, or 41.8%, were nonperforming at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our emphasis on commercial real estate lending may expose us to increased lending risks.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our current business strategy is focused on the expansion of commercial real estate lending. This type of lending activity, while potentially more profitable than single-family residential lending, is generally more sensitive to regional and local economic conditions, making loss levels more difficult to predict. Collateral evaluation and financial statement analysis in these types of loans requires a more detailed analysis at the time of loan underwriting and on an ongoing basis. Many of our commercial borrowers have more than one loan outstanding with us. Consequently, an adverse development with respect to one loan or one credit relationship can expose us to a significantly greater risk of loss.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, we had $395.9 million of commercial and multi-family real estate mortgage loans, representing 57.8% of our total loan portfolio. These loans typically involve higher principal amounts than other types of loans, and repayment is dependent upon income generated, or expected to be generated, by the property securing the loan in amounts sufficient to cover operating expenses and debt service, which may be adversely affected by changes in the economy or local market conditions. For example, if the cash flow from the borrower&#8217;s project is reduced as a result of leases not being obtained or renewed, the borrower&#8217;s ability to repay the loan may be impaired. Commercial and multi-family mortgage loans also expose a lender to greater credit risk than loans secured by residential real estate because the collateral securing these loans typically cannot be sold as easily as residential real estate. In addition, many of our commercial and multi-family real estate loans are not fully amortizing and contain large balloon payments upon maturity. Balloon payments may require the borrower to either sell or refinance the underlying property in order to make the payment, which may increase the risk of default or non-payment.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A secondary market for most types of commercial real estate and multi-family loans is not readily liquid, so we have less opportunity to mitigate credit risk by selling part or all of our interest in these loans.&#160;&#160;As a result of these characteristics, if we foreclose on a commercial or multi-family real estate loan, our holding period for the collateral typically is longer than for one-to-four family residential mortgage loans because there are fewer potential purchasers of the collateral. Accordingly, charge-offs on commercial and multi-family real estate loans may be larger on a per loan basis than those incurred with our residential or consumer loan portfolios.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The level of our commercial real estate loan portfolio may subject us to additional regulatory scrutiny.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The FDIC, the Federal Reserve and the OCC have promulgated joint guidance on sound risk management practices for financial institutions with concentrations in commercial real estate lending. Under this guidance, a financial institution that, like us, is actively involved in commercial real estate lending should perform a risk assessment to identify concentrations. A financial institution may have a concentration in commercial real estate lending if, among other factors (i) total reported loans for construction, land development, and other land represent 100% or more of total capital, or (ii) total reported loans secured by multifamily and non-farm residential properties, loans for construction, land development and other land, and loans otherwise sensitive to the general commercial real estate market, including loans to commercial real estate related entities, represent 300% or more of total capital. The particular focus of the guidance is on exposure to commercial real estate loans that are dependent on the cash flow from the real estate held as collateral and that are likely to be at greater risk to conditions in the commercial real estate market (as opposed to real estate collateral held as a secondary source of repayment or as an abundance of caution).&#160;&#160;The purpose of the guidance is to guide banks in developing risk management practices and capital levels commensurate with the level and nature of real estate concentrations.&#160;The guidance states that management should employ heightened risk management practices including board and management oversight and strategic planning, development of underwriting standards, risk assessment and monitoring through market analysis and stress testing. We have concluded that we have a concentration in commercial real estate lending under the foregoing standards because our $335.2 million balance in commercial real estate loans at March 31, 2012 represents 300% or more of total capital. While we believe we have implemented policies and procedures with respect to our commercial real estate loan portfolio consistent with this guidance, bank regulators could require us to implement additional policies and procedures consistent with their interpretation of the guidance that may result in additional costs to us.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deterioration in the housing real estate market has resulted in and may continue to result in increased loan-to-value ratios on a significant portion of our one- to four-family loans and home equity lines of credit, which exposes us to greater risk of loss.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Economic deterioration throughout 2008 and weakness in the economy since then has been accompanied by continued stress in the housing markets, including declines in home prices. While there were continued indications throughout the past year that the U.S. economy is stabilizing and may be improving, if housing market conditions continue to deteriorate, they may lead to additional valuation adjustments on our loan portfolios and real estate owned as we continue to reassess the market value of our loan portfolio, the loss severities of loans in default, and the net realizable value of real estate owned.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Many of our one- to four-family loans and home equity lines of credit are secured by liens on mortgage properties in which the borrowers have little or no equity because of these declines in home values in our primary market area.&#160;&#160;Residential loans with high combined loan-to-value ratios will be more sensitive to declining property values than those with lower combined loan-to-value ratios and therefore may experience a higher incidence of default and severity of losses. In addition, if the borrowers sell their homes, they may be unable to repay their loans in full from the sale.&#160;&#160;Further, the majority of our home equity lines of credit consist of second mortgage loans. For those home equity lines secured by a second mortgage, it is unlikely that we will be successful in recovering all or a portion of our loan proceeds in the event of default unless we are prepared to repay the first mortgage loan and such repayment and the costs associated with a foreclosure are justified by the value of the property.&#160;&#160;For these reasons, we could experience higher rates of delinquencies, defaults and losses.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Repayment of our commercial business loans is often dependent on the cash flows of the borrower, which may be unpredictable, and the collateral securing these loans may fluctuate in value.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, we had $87.2 million or 12.7% of total loans in commercial business loans. Commercial lending involves risks that are different from those associated with residential and commercial real estate lending. Real estate lending is generally considered to be collateral based lending with loan amounts based on predetermined loan to collateral values and liquidation of the underlying real estate collateral being viewed as the primary source of repayment in the event of borrower default. Our commercial loans are primarily made based on the cash flow of the borrower and secondarily on the underlying collateral provided by the borrower. The borrowers' cash flow may be unpredictable, and collateral securing these loans may fluctuate in value. Although commercial loans are often collateralized by equipment, inventory, accounts receivable, or other business assets, the liquidation of collateral in the event of default is often an insufficient source of repayment because accounts receivable may be uncollectible and inventories may be obsolete or of limited use, among other things.&#160;&#160;Accordingly, the repayment of commercial loans depends primarily on the cash flow and credit worthiness of the borrower and secondarily on the underlying collateral provided by the borrower.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our provision for loan losses has increased substantially and we may be required to make further increases in our provision for loan losses and to charge-off additional loans in the future, which could adversely affect our results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For the fiscal years ended March 31, 2012 and 2011 we recorded a provision for loan losses of $29.4 million and $5.1 million, respectively. We also recorded net loan charge-offs of $24.4 million and $11.7 million for the fiscal years ended March 31, 2012 and 2011, respectively. During these last two fiscal years, we experienced increasing loan delinquencies and credit losses. With the exception of residential construction and development loans, nonperforming loans and assets generally reflect unique operating difficulties for individual borrowers rather than weakness in the overall economy of the Pacific Northwest; however, more recently the deterioration in the general economy has become a significant contributing factor to the increased levels of delinquencies and nonperforming loans. Slower sales and excess inventory in the housing market has been the primary cause of the increase in delinquencies and foreclosures for residential construction and land development loans, which represent 47.0% of our nonperforming loan balance at March 31, 2012.&#160;&#160;At March 31, 2012 our total nonperforming assets had increased to $62.9 million compared to $39.9 million at March 31, 2011.<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font> Further, our portfolio is concentrated in construction and land loans and commercial and commercial real estate loans, all of which have a higher risk of loss than residential mortgage loans.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">If current weak conditions in the housing and real estate markets continue, we expect that we will continue to experience higher than normal delinquencies and credit losses, until general economic conditions improve. As a result, we could be required to make further increases in our provision for loan losses and to charge off additional loans in the future, which could have a material adverse effect on our financial condition and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our allowance for loan losses may prove to be insufficient to absorb losses in our loan portfolio.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Lending money is a substantial part of our business and each loan carries a certain risk that it will not be repaid in accordance with its terms or that any underlying collateral will not be sufficient to assure repayment. This risk is affected by, among other things:</font></div>

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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">changes in economic and industry conditions.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We maintain an allowance for loan losses, which is a reserve established through a provision for loan losses charged to expense, which we believe is appropriate to provide for probable losses in our loan portfolio. The amount of this allowance is determined by management through periodic reviews and consideration of several factors, including, but not limited to:</font></div>

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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">our general reserve, based on our historical default and loss experience and certain macroeconomic factors based on management&#8217;s expectations of future events;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">an unallocated reserve to provide for other credit losses inherent in our portfolio that may not have been contemplated in the other loss factors.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The determination of the appropriate level of the allowance for loan losses inherently involves a high degree of subjectivity and requires us to make various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of our borrowers and the value of the real estate and other assets serving as collateral for the repayment of many of our loans. In determining the amount of the allowance for loan losses, we review our loans and the loss and delinquency experience, and evaluate economic conditions and make significant estimates of current credit risks and future trends, all of which may undergo material changes. If our estimates are incorrect, the allowance for loan losses may not be sufficient to cover losses inherent in our loan portfolio, resulting in the need for additions to our allowance through an increase in the provision for loan losses. Continuing deterioration in economic conditions affecting borrowers, new information regarding existing loans, identification of additional problem loans and other factors, both within and outside of our control, may require an increase in the allowance for loan losses. Our allowance for loan losses was 2.91% of gross loans held for investment and 45.1% of nonperforming loans at March 31, 2012. In addition, bank regulatory agencies periodically review our allowance for loan losses and may require an increase in the provision for possible loan losses or the recognition of further loan charge-offs, based on judgments different than those of management. If charge-offs in future periods exceed the allowance for loan losses, we will need additional provisions to increase the allowance for loan losses. Any increases in the provision for loan losses will result in a decrease in net income and may have a material adverse effect on our financial condition, results of operations and our capital.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">If our nonperforming assets increase, our earnings will be adversely affected.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012 and 2011, our nonperforming assets (which consist of non-accruing loans and real estate owned (&#8220;REO&#8221;)) were $62.9 million and $39.9 million, respectively, or 7.35% and 4.65% of total assets, respectively. Our nonperforming assets adversely affect our net income in various ways:</font></div>

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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">we record interest income only on a cash basis for nonaccrual loans and any nonperforming investment securities; and do not record interest income for REO;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">non-interest expense increases when we write down the value of properties in our REO portfolio to reflect changing market values or recognize other-than-temporary impairment on nonperforming investment securities;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">there are legal fees associated with the resolution of problem assets, as well as carrying costs, such as taxes, insurance, and maintenance fees related to our REO; and</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">the resolution of nonperforming assets requires the active involvement of management, which can distract them from more profitable activity.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">If additional borrowers become delinquent and do not pay their loans and we are unable to successfully manage our nonperforming assets, our losses and troubled assets could increase significantly, which could have a material adverse effect on our financial condition and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">If our investments in real estate are not properly valued or sufficiently reserved to cover actual losses, or if we are required to increase our valuation reserves, our earnings could be reduced.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We obtain updated valuations in the form of appraisals and broker price opinions when a loan has been foreclosed upon and the property taken in as REO, and at certain other times during the assets holding period.&#160;&#160;Our net book value (&#8220;NBV&#8221;) in the loan at the time of foreclosure and thereafter is compared to the updated market value of the foreclosed property less estimated selling costs (fair value). A charge-off is recorded for any excess in the asset&#8217;s NBV over its fair value.&#160;&#160;If our valuation process is incorrect, the fair value of our investments in real estate may not be sufficient to recover our NBV in </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">such assets, resulting in the need for additional charge-offs. Additional material charge-offs to our investments in real estate could have a material adverse effect on our financial condition and results of operations. In addition, bank regulators periodically review our REO and may require us to recognize further charge-offs. Any increase in our charge-offs may have a material adverse effect on our financial condition and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The value of the securities in our investment securities portfolio may be negatively affected by continued disruptions in securities markets.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The market for some of the investment securities held in our portfolio has become increasingly volatile in recent years. Volatile market conditions may detrimentally affect the value of these securities, such as through reduced valuations 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 or permanent impairments of these assets, which would lead to accounting charges that could have a material adverse effect on our financial condition and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fluctuating interest rates can adversely affect our profitability.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our profitability is dependent to a large extent upon net interest income, which is the difference, or spread, between the interest earned on loans, securities and other interest-earning assets and the interest paid on deposits, borrowings, and other interest-bearing liabilities. Because of the differences in maturities and repricing characteristics of our interest-earning assets and interest-bearing liabilities, changes in interest rates do not produce equivalent changes in interest income earned on interest-earning assets and interest paid on interest-bearing liabilities. We principally manage interest rate risk by managing our volume and mix of our earning assets and funding liabilities. In a changing interest rate environment, we may not be able to manage this risk effectively.&#160;&#160;Changes in interest rates also can affect: (1) our ability to originate and/or sell loans; (2) the fair value of our financial assets and liabilities, which could negatively impact shareholders&#8217; equity, and our ability to realize gains from the sale of such assets; (3) our ability to obtain and retain deposits in competition with other available investment alternatives; (4) the ability of our borrowers to repay adjustable or variable rate loans; and (5) the average duration of our mortgage backed securities portfolio and other interest-earning assets.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; 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.&#160;&#160;As a result of the relatively low interest rate environment, an increasing percentage of our deposits have been comprised of short-term certificates of deposit and other deposits yielding no or a relatively low rate of interest. At March 31, 2012, we had $167.7 million in certificates of deposit that mature within one year and $116.9 million in non-interest bearing demand deposits.&#160;&#160;We would incur a higher cost of funds to retain these deposits in a rising interest rate environment. 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.&#160;&#160;In addition, a substantial amount of our mortgage loans and home equity lines of credit have adjustable interest rates.&#160;&#160;As a result, these loans may experience a higher rate of default in a rising interest rate environment.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Any substantial, unexpected, prolonged change in market interest rates could have a material adverse effect on our financial condition and results of operations.&#160;&#160;Also, our interest rate risk modeling techniques and assumptions likely may not fully predict or capture the impact of actual interest rate changes on our balance sheet.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Increases in deposit insurance premiums and special FDIC assessments&#160;negatively impact our earnings.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Dodd-Frank Act established 1.35% as the minimum reserve ratio. The FDIC has adopted a plan under which it will meet this ratio by the statutory deadline of September 30, 2020. The Dodd-Frank Act requires the FDIC to offset the effect on institutions with assets less than $10 billion of the increase in the minimum reserve ratio to 1.35% from the former minimum of 1.15%. The FDIC has not announced how it will implement this offset.&#160;&#160;In addition to the statutory minimum ratio, the FDIC must set a designated reserve ratio or DRR, which may exceed the statutory minimum. The FDIC has set 2.0 as the DRR.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As required by the Dodd-Frank Act, the FDIC has adopted final regulations under which insurance premiums are based on an institution's total assets minus its tangible equity instead of its deposits. While our FDIC insurance premiums initially will be reduced by these regulations, it is possible that our future insurance premiums will increase under the final regulations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">from the FHLB of Seattle (&#8220;FHLB&#8221;), borrowings from the Federal Reserve Bank of San Francisco ("FRB") and other borrowings to fund our operations. Although we have historically been able to replace maturing deposits and advances if desired, we may not be able to replace such funds in the future if, among other things, our financial condition, the financial condition of the FHLB or FRB, or market conditions change. 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 Washington or Oregon markets where our loans are concentrated or adverse regulatory action against us.&#160;&#160;In addition, the OCC has limited our ability to use brokered deposits as a source of liquidity by restricting them to not more than 20% of our total deposits.<font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font>Our ability to borrow could also be impaired by factors that are not specific to us, such as a disruption in the financial markets or negative views and expectations about the prospects for the financial services industry in light of the recent turmoil faced by banking organizations and the continued deterioration in credit markets. Deposit flows, calls of investment securities and wholesale borrowings, and the prepayment of loans and mortgage-related securities are also strongly influenced by such external factors as the direction of interest rates, whether actual or perceived, and competition for deposits and loans in the markets we serve. Furthermore, changes to the FHLB&#8217;s underwriting guidelines for wholesale borrowings or lending policies may limit or restrict our ability to borrow, and could therefore have a significant adverse impact on our liquidity. In addition, the need to replace funds in the event of large-scale withdrawals of brokered deposits could require us to pay significantly higher interest rates on retail deposits or other wholesale funding sources, which would have an adverse impact on our net interest income and net income. A decline in available funding could adversely impact our ability to originate loans, invest in securities, meet our expenses, or to fulfill such obligations as repaying our borrowings or meeting deposit withdrawal demands.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our financial flexibility will be severely constrained if we are unable to maintain our access to funding or if adequate financing is not available to accommodate future growth at acceptable interest rates. Although we consider our sources of funds adequate for our liquidity needs, we may seek additional debt in the future to achieve our long-term business objectives. Additional borrowings, if sought, may not be available to us or, if available, may not be available on reasonable terms. If additional financing sources are unavailable, or are not available on reasonable terms, our financial condition, results of operations, growth and future prospects could be materially adversely affected.&#160;&#160;In addition, the Company may not incur additional debt without the prior written non-objective of the Federal Reserve.&#160;&#160;Finally, if we are required to rely more heavily on more expensive funding sources to support future growth, our revenues may not increase proportionately to cover our costs. See also &#8220;--We have deferred payments of interest on our outstanding junior subordinated debentures and as a result we are prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock.&#8221;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">An increase in interest rates, change in the programs offered by governmental sponsored entities (&#8220;GSE&#8221;) or our ability to qualify for such programs may reduce our mortgage revenues, which would negatively impact our non-interest income.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our mortgage banking operations provide a portion of our non-interest income. We generate mortgage revenues primarily from gains on the sale of single-family mortgage loans pursuant to programs currently offered by Fannie Mae, Freddie Mac and non-GSE investors. These entities account for a substantial portion of the secondary market in residential mortgage loans. Any future changes in these programs, our eligibility to participate in such programs, the criteria for loans to be accepted or laws that significantly affect the activity of such entities could, in turn, materially adversely affect our results of operations. Further, in a rising or higher interest rate environment, our originations of mortgage loans may decrease, resulting in fewer loans that are available to be sold to investors. This would result in a decrease in mortgage banking revenues and a corresponding decrease in non-interest income. In addition, our results of operations are affected by the amount of non-interest expense associated with mortgage banking activities, such as salaries and employee benefits, occupancy, equipment and data processing expense and other operating costs. During periods of reduced loan demand, our results of operations may be adversely affected to the extent that we are unable to reduce expenses commensurate with the decline in loan originations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">To the extent our asset management clients and their assets become adversely affected by weak economic and stock market conditions, they may choose to withdraw the amount of assets managed by us and the value of their assets may decline. Our asset management revenues are based on the value of the assets we manage. If our clients withdraw assets or the value of their assets decline, the revenues generated by Riverview Asset Management Corp. will be adversely affected.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our growth or future losses may require us to raise additional capital in the future, but that capital may not be available when it is needed or the cost of that capital may be very high.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We are required by federal regulatory authorities to maintain adequate levels of capital to support our operations.&#160;We anticipate that our capital resources will satisfy our capital requirements for the foreseeable future, including the heightened capital requirements under the Bank&#8217;s agreement.&#160;Nonetheless, we may elect to raise additional capital to support our business or to finance acquisitions, if any, or we may otherwise elect or be required to raise additional capital. Should we elect to raise additional capital, we may seek to do so through the issuance of, among other things, our common stock or preferred stock. The issuance of additional shares of common stock or convertible securities to new stockholders would be dilutive to our current stockholders.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our ability to raise additional capital, if needed, will depend on conditions in the capital markets at that time, which are outside our control, and on our financial condition and performance.&#160;Accordingly, we cannot make assurances that we will be able to raise additional capital if needed on terms that are acceptable to us, or at all.&#160;If we cannot raise additional capital when needed, our operations could be materially impaired and our financial condition and liquidity could be materially and adversely affected. In addition, if we are unable to raise additional capital when required by the Federal Reserve or the OCC, we may be subject to additional adverse regulatory action.&#160;&#160;See &#8220;--We are required to comply with the terms of an agreement with the OCC and a memorandum of understanding with the Federal Reserve and lack of compliance could result in monetary penalties and /or additional regulatory actions.&#8221;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We performed our annual goodwill impairment test during the quarter-ended December 31, 2011, but no impairment was identified. Our assessment of the fair value of goodwill is based on an evaluation of current purchase transactions, discounted cash flows from forecasted earnings, our current market capitalization, and a valuation of our assets. Our evaluation of the fair value of goodwill involves a substantial amount of judgment. If our judgment was incorrect and an impairment of goodwill was deemed to exist, we would be required to write down our assets resulting in a charge to earnings, which would adversely affect our results of operations, perhaps materially; however, it would have no impact on our liquidity, operations or regulatory capital.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The Dodd-Frank Wall Street Reform and Consumer Protection Act will, among other things, tighten capital standards, create a new Consumer Financial Protection Bureau and result in new laws and regulations that are expected to increase our costs of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Dodd-Frank Wall Street Reform and Consumer Protection Act (&#8220;Dodd-Frank Act&#8221;) has had a significant impact on the bank regulatory structure for financial institutions, as well as the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies.&#160;&#160;The Dodd-Frank Act requires various federal agencies to adopt a broad range of new implementing rules and regulations, and to prepare numerous studies and reports for Congress.&#160;&#160;Much of the impact of the Dodd-Frank Act still remains to be seen in the coming months or years, as the effective dates of the many implementing regulations of the Dodd-Frank Act are gradually phased in.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Among the many requirements in the Dodd-Frank Act for new banking regulations is a requirement for new capital regulations to be adopted within 18 months after the date of enactment of the Dodd-Frank Act. These regulations must be at least as stringent as, and may call for higher levels of capital than, current regulations.&#160;&#160;Generally, trust preferred securities will no longer be eligible as Tier 1 capital, but the Company&#8217;s currently outstanding trust preferred securities are grandfathered. In addition, the banking regulators are required to seek to make capital requirements for banks and bank holding companies countercyclical so that capital requirements increase in times of economic expansion and decrease in times of economic contraction.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Certain provisions of the Dodd-Frank Act are expected to have a near term impact on the Company.&#160;&#160;For example, effective July 21, 2011 a federal prohibition on the payment of interest on demand deposits was eliminated, thus allowing businesses to have interest-bearing checking accounts.&#160;&#160;Depending on competitive responses, this significant change to existing law could have an adverse impact on the Company&#8217;s interest expense.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In addition, the Dodd-Frank Act created a new Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The Consumer Financial Protection Bureau has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit &#8220;unfair, deceptive or abusive&#8221; acts and practices. The Consumer Financial Protection Bureau has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. Financial institutions such as the Bank with $10 billion or less in assets will continue to be examined for compliance with the consumer laws by their primary bank regulators.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As we continue to monitor developments under the Dodd-Frank Act and to assess the ultimate impact of the legislation and yet to be written implementing rules and regulations on community banks, at a minimum, we expect to experience an increase in our operating and compliance costs, which is expected to continue and further impact our non-interest expense.&#160;&#160;Any additional changes in our regulation and oversight, in the form of new laws, rules and regulations, could make compliance more difficult or expensive or otherwise materially adversely affect our business, financial condition or prospects.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">New or changing tax, accounting, and regulatory rules and interpretations could significantly impact strategic initiatives, results of operations, cash flows, and financial condition.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The financial services industry is extensively regulated. Federal and state banking regulations are designed primarily to protect the deposit insurance funds and consumers, not to benefit a company's stockholders. These regulations may sometimes impose significant limitations on operations. The significant federal and state banking regulations that affect us are described in this report under the heading &#8220;Item 1. Business-Regulation.&#8221;&#160;&#160;These regulations, along with the currently existing tax, accounting, securities, insurance, and monetary laws, regulations, rules, standards, policies, and interpretations control the methods by which financial institutions conduct business, implement strategic initiatives and tax compliance, and govern financial reporting and disclosures. These laws, regulations, rules, standards, policies, and interpretations are constantly evolving and may change significantly over time.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Such changes could subject us to additional costs, limit the types of financial services and products we may offer, restrict mergers and acquisitions, investments, access to capital, the location of banking offices, and/or increase the ability of non-banks to offer competing financial services and products, among other things. Our success depends on our continued ability to maintain compliance with the various regulations to which we are subject. Some of these regulations may increase our costs and thus place other financial institutions in stronger, more favorable competitive positions. We cannot predict what restrictions may be imposed upon us with future legislation.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our litigation related costs might continue to increase.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Riverview Community Bank is subject to a variety of legal proceedings that have arisen in the ordinary course of Riverview Community Bank&#8217;s business. In the current economic environment Riverview Community Bank&#8217;s involvement in litigation has increased significantly, primarily as a result of defaulted borrowers asserting claims in order to defeat or delay foreclosure proceedings. Riverview Community Bank believes that it has meritorious defenses in legal actions where it has been named as a defendant and is vigorously defending these suits. Although management, based on discussion with litigation counsel, believes that such proceedings will not have a material adverse effect on the financial condition or operations of Riverview Community Bank, there can be no assurance that a resolution of any such legal matters will not result in significant liability to Riverview Community Bank nor have a material adverse impact on its financial condition and results of operations or Riverview Community Bank&#8217;s ability to meet applicable regulatory requirements. Moreover, the expenses of pending legal proceedings will adversely affect Riverview Community Bank&#8217;s results of operations until they are resolved. There can be no assurance that Riverview Community Bank&#8217;s loan workout and other activities will not expose Riverview Community Bank to additional legal actions, including lender liability or environmental claims.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our investment in Federal Home Loan Bank stock may become impaired.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, we owned $7.4 million in FHLB stock.<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font> As a condition of membership at the FHLB, we are required to purchase and hold a certain amount of FHLB stock. Our stock purchase requirement is based, in part, upon the outstanding principal balance of advances from the FHLB and is calculated in accordance with the Capital Plan of the FHLB. Our FHLB stock has a par value of $100, is carried at cost, and it is subject to recoverability testing per applicable accounting standards<font style="FONT-STYLE: italic; DISPLAY: inline">.</font> The FHLB has announced that it had a risk-based capital deficiency under the regulations of the Federal Housing Finance Agency (the "FHFA"), its primary regulator, as of December 31, 2008, and that it would suspend future dividends and the repurchase and redemption of outstanding common stock. As a result, the FHLB has not paid a dividend since the fourth quarter of 2008. In August 2009, under the FHFA's prompt corrective action regulations, the FHLB received a capital classification of "undercapitalized" and has subsequently remained so classified, due to, among other things, risk-based capital deficiencies as of March 31, 2009 and June 30, 2009, the deterioration in the value of its private-label mortgage-backed securities and the amount of accumulated unrealized losses stemming from that deterioration, and the amount of its retained earnings. On October 25, 2010, the FHLB entered into a consent order with the FHFA.&#160;&#160;The consent order required, among other matters, the FHLB meet and maintains certain minimum financial requirements. The FHLB has communicated that with the exception of a retained earnings requirement, it is in compliance with the minimum financial requirements and has continued taking the specified actions and is working toward meeting the agreed-upon milestones and timelines for completing capital management, asset composition, and other operational and risk management improvements as indicated in the consent order. As a result, we have not recorded an impairment on our investment in FHLB stock. Further </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">deterioration in the FHLB&#8217;s financial position may, however, result in future impairment in the value of those securities. We will continue to monitor the financial condition of the FHLB as it relates to, among other things, the recoverability of our investment.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Competition with other financial institutions could adversely affect our profitability.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The banking and financial services industry is very competitive. Legal and regulatory developments have made it easier for new and sometimes unregulated competitors to compete with us. Consolidation among financial service providers has resulted in fewer very large national and regional banking and financial institutions holding a large accumulation of assets. These institutions generally have significantly greater resources, a wider geographic presence or greater accessibility. Our competitors sometimes are also able to offer more services, more favorable pricing or greater customer convenience than we do. In addition, our competition has grown from new banks and other financial services providers that target our existing or potential customers. As consolidation continues, we expect additional institutions to try to exploit our market.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Technological developments have allowed competitors including some non-depository institutions, to compete more effectively in local markets and have expanded the range of financial products, services and capital available to our target customers. If we are unable to implement, maintain and use such technologies effectively, we may not be able to offer products or achieve cost-efficiencies necessary to compete in our industry. In addition, some of these competitors have fewer regulatory constraints and lower cost structures.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We rely heavily on the proper functioning of our technology.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We rely heavily on communications and information systems to conduct our business.&#160;&#160;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.&#160;&#160;While we have policies and procedures designed to prevent or limit the effect of the failure, interruption or security breach of our information systems, there can be no assurance that any such failures, interruptions or security breaches will not occur or, if they do occur, that they will be adequately addressed.&#160;&#160;The occurrence of any failures, interruptions or security breaches of our information systems 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 and results of operations. We have experienced attempted attacks on our information systems; however our monitoring systems detected these attacks and the attempted attack was ultimately not successful.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We rely on third-party service providers for much of our communications, information, operating and financial control systems technology. If any of our third-party service providers experience financial, operational or technological difficulties, or if there is any other disruption in our relationships with them, we may be required to locate alternative sources of such services, and we cannot assure that we could negotiate terms that are as favorable to us, or could obtain services with similar functionality, as found in our existing systems, without the need to expend substantial resources, if at all. Any of these circumstances could have an adverse effect on our business.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our accounting policies and methods are fundamental to how we record and report our financial condition and results of operations.&#160;&#160;From time to time there are changes in the financial accounting and reporting standards that govern the preparation of our financial statements.&#160;&#160;These changes can be difficult to predict and can materially impact how we report and record our financial condition and results of operations.&#160;&#160;In some cases, we could be required to apply a new or revised standard retroactively, resulting in a retrospective adjustment to prior financial statements.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We are dependent on key personnel and the loss of one or more of those key personnel may materially and adversely affect our prospects.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Competition for qualified employees and personnel in the banking industry is intense and there are a limited number of qualified persons with knowledge of, and experience in, the community banking industry where the Bank conducts its business.&#160;The process of recruiting personnel with the combination of skills and attributes required to carry out our strategies is often lengthy. Our success depends to a significant degree upon our ability to attract and retain qualified management, loan origination, finance, administrative, marketing and technical personnel and upon the continued contributions of our management and personnel.&#160;In particular, our success has been and continues to be highly dependent upon the abilities of key executives, including our President, and certain other employees.&#160;In addition, our success has been and continues to be highly dependent upon the services of our directors, many of whom are at or nearing retirement age, and we may not be able to identify and attract suitable candidates to replace such directors.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Similar to other financial institutions, we are exposed to many types of operational risk, including reputational risk, legal and compliance risk, the risk of fraud or theft by employees or outsiders, the risk that sensitive customer or Company data is compromised, unauthorized transactions by employees or operational errors, including clerical or record-keeping errors. If any of these risks occur, it could result in material adverse consequences for us.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Regulatory and contractual restrictions may limit or prevent us from paying dividends on our common stock.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Holders of our common stock are only entitled to receive such dividends as our Board may declare out of funds legally available for such payments. Furthermore, holders of our common stock are subject to the prior dividend rights of any holders of our preferred stock at any time outstanding or depositary shares representing such preferred stock then outstanding. Although we have historically declared cash dividends on our common stock, we are not required to do so. We suspended our cash dividend during the quarter ended December 31, 2008 and we do not know if we will resume the payment of dividends in the future. In addition, under the terms of the Company&#8217;s MOU, the payment of dividends by the Company to its shareholders is subject to the prior written non-objection of the Federal Reserve. As an entity separate and distinct from the Bank, the Company derives substantially all of its revenue in the form of dividends from the Bank.&#160;&#160;Accordingly, the Company is and will be dependent upon dividends from the Bank to satisfy its cash needs and to pay dividends on its common stock and service the interest payments on its trust preferred security.&#160;The inability to receive dividends from the Bank could have a material adverse effect on the Company&#8217;s business, financial condition and results of operations. The Bank&#8217;s ability to pay dividends is subject to its ability to earn net income and, to meet certain regulatory requirements. The Bank does not currently meet these regulatory requirements. As discussed above, under the Agreement, the Bank may not pay dividends to the Company without prior notice to the OCC, which also limits the Company&#8217;s ability to pay dividends on its common stock. The lack of a cash dividend could adversely affect the market price of our common stock.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We have deferred payments of interest on our outstanding junior subordinated debentures and as a result we are prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In the first quarter of fiscal 2011, we elected to defer regularly scheduled interest payments on our outstanding $22.7 million aggregate principal amount of junior subordinated debentures issued in connection with the sale of trust preferred securities through statutory business trusts. There are currently two separate series of these junior subordinated debentures outstanding, each series having been issued under a separate indenture and with a separate guarantee from Riverview. During the deferral period, interest will continue to accrue on the junior subordinated debentures at the stated coupon rate, including the deferred interest, and Riverview may not, among other things, pay cash dividends on or, with limited exceptions, repurchase its common stock nor make any payment on outstanding debt obligations that rank equally with or are junior to the junior subordinated debentures.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We may, without notice to or consent from the holders of our common stock, issue additional series of junior subordinated debentures in the future with terms similar to those of our existing junior subordinated debentures or enter into other financing agreements that limit our ability to purchase or to pay dividends or distributions on our capital stock, including our common stock. Under Riverview&#8217;s Agreement the issuance of any new debt is subject to the non-objection of the OCC. Assuming we were to receive such non-objection, as a result of our deferral of interest on the junior subordinated debentures, it is likely that we will not be able to raise funds through the offering of debt securities until we become current on these obligations or these obligations are restructured.&#160;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">This deferral may also adversely affect our ability to obtain debt financing on commercially reasonable terms, or at all. In addition, if Riverview defers interest payments on the junior subordinated debentures for more than 20 consecutive quarters, it would be in default under the indentures governing these debentures and the amount due under such agreements would be immediately due and payable.<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font>Events of default under the indenture generally consist of our failure to pay interest on the junior subordinated debt securities under certain circumstances, our failure to pay any principal of or premium on such junior subordinated debt securities when due, our failure to comply with certain covenants under the indenture, and certain events of bankruptcy, insolvency or liquidation relating to us or the Bank.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As long as we defer interest payments, we will likely have greater difficulty in obtaining financing and have fewer financing sources. In addition, the market value of our common stock may be adversely affected.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 2.&#160;&#160;Properties</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The executive offices of the Company are located in downtown Vancouver, Washington at 900 Washington Street.&#160;&#160;&#160;The Company&#8217;s operational center is also located in Vancouver, Washington (both offices are leased).&#160;&#160;At March 31, 2012, the Bank had 10 offices located in Clark County, Washington (five of which are leased), one office in Cowlitz County, Washington, two offices in Klickitat County, Washington, and one office in Skamania County, Washington.&#160;&#160;The Bank also had two offices in Multnomah County, Oregon (one of which is leased), and one office in Marion County, Oregon.&#160;&#160;The Bank is in the process of constructing a new branch in Gresham, Oregon that is expected to open in June 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Periodically, there have been various claims and lawsuits involving the Company, such as claims to enforce liens, condemnation proceedings on properties in which the Company holds security interests, claims involving the making and servicing of real property loans and other issues incident to the Company&#8217;s business.&#160;&#160;The Company is not a party to any pending legal proceedings that it believes would have a material adverse effect on the financial condition, results of operations or liquidity of the Company.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART II</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 5.&#160;&#160;&#160;Market for Registrant&#8217;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, there were 22,471,890 shares of Company common stock issued and outstanding, 817 stockholders of record and an estimated 2,162 holders in nominee or &#8220;street name.&#8221; Under Washington law, the Company is prohibited from paying a dividend if, as a result of its payment, the Company would be unable to pay its debts as they become due in the normal course of business, or if the Company&#8217;s total liabilities would exceed its total assets. The principal source of funds for the Company is dividend payments from the Bank. OCC regulations require the Bank to give the OCC 30 days advance notice of any proposed declaration of dividends to the Company, and the OCC has the authority under its supervisory powers to prohibit the payment of dividends to the Company. The OCC imposes certain limitations on the payment of dividends from the Bank to the Company, which utilize a three-tiered approach that permits various levels of distributions based primarily upon a savings association&#8217;s capital level. In addition, the Bank is required to provide notice to and receive the non-objection of the OCC prior to declaring a dividend pursuant to the terms of the Agreement. See Item 1A, &#8220;Risk Factors &#8211; <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">We are required to comply with the terms of an agreement with the OCC and a memorandum of understanding with the Federal Reserve and lack of compliance could result in monetary penalties and /or additional regulatory actions.&#8221; and</font> Item 1, &#8220;Regulation &#8211; Federal Regulation of Savings Associations &#8211; Limitations on Capital Distributions.&#8221; In addition, the Company may not declare or pay a cash dividend on its capital stock if the effect thereof would be to reduce the regulatory capital of the Bank below the amount required for the liquidation account established pursuant to the Bank&#8217;s conversion from the mutual stock form of organization. See Note 1 of the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The common stock of the Company is traded on the Nasdaq Global Select Market under the symbol &#8220;RVSB&#8221;.&#160;&#160;The following table sets forth the high and low trading prices, as reported by Nasdaq, and cash dividends paid for each quarter during 2012 and 2011 fiscal years.&#160;&#160;At March 31, 2012, there were 25 market makers in the Company&#8217;s common stock as reported by the Nasdaq Global Select Market.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fiscal Year Ended March 31, 2012</font></div>
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<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">High</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Low</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash </font></div>

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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended March 31, 2012</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
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<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.46</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
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<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.03</font></div>
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<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
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<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
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<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended December 31, 2011</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.50</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.11</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
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<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended September 30, 2011</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.12</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.20</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended June 30, 2011</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.18</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.80</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fiscal Year Ended March 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">High</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Low</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dividends </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Declared</font></div>
</td>
</tr><tr>
<td valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended March 31, 2011</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.21</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.69</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended December 31, 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.80</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.00</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended September 30, 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.49</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.73</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarter ended June 30, 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.81</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.24</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Stock Repurchase</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Shares are repurchased from time-to-time in open market transactions.&#160;&#160;The timing, volume and price of purchases are made at our discretion, and are also contingent upon our overall financial condition, as well as general market conditions.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company did not repurchase any shares of common stock for the years ended March 31, 2012, 2011 or 2010.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities for Equity Compensation Plans</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Please refer to Item 12 in this Form 10-K for a listing of securities authorized for issuance under equity compensation plans.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">46</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><img src="riv10k20120.jpg" alt=""></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="20%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3/31/07*</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3/31/08</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3/31/09</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3/31/10</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3/31/11</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; BORDER-TOP: black 0.5pt solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3/31/12</font></div>
</td>
</tr><tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Riverview Bancorp, Inc.</font></div>
</td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">100.00</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64.74</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">25.57</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.20</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.09</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.94</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">S &amp; P 500</font></div>
</td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">100.00</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">94.92</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">58.77</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">88.02</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">101.79</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">110.48</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NASDAQ Bank</font></div>
</td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">100.00</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">67.91</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.41</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">44.39</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42.58</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37.66</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">*$100 invested on 3/31/07 in stock or index-including reinvestment of dividends</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Copyright &#169; 2012, Standard &amp; Poor's, a division of The McGraw-Hill Companies, Inc. All rights reserved.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">www.researchdatagroup.com/S&amp;P.htm</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">47</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
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<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 6.&#160;&#160;&#160;Selected Financial Data</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following condensed consolidated statements of operations and financial condition and selected performance ratios as of March 31, 2012, 2011, 2010, 2009 and 2008 and for the years then ended have been derived from the Company&#8217;s audited Consolidated Financial Statements. The information below is qualified in its entirety by the detailed information included elsewhere herein and should be read along with Item 7. &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; and Item 8. &#8220;Financial Statement and Supplementary Data&#8221; included in this Form 10-K.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="14" valign="top" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At March 31,</font></div>
</td>
</tr><tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2008</font></div>
</td>
</tr><tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="13" valign="bottom" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FINANCIAL CONDITION DATA:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total assets</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">855,998</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">859,263</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">837,953</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">914,333</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">886,849</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable, net</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,888</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">672,609</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">712,837</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">784,117</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">756,538</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans held for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">480</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">173</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">255</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,332</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities held</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">to maturity</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">171</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">259</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">570</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">885</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities available</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,777</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,828</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,066</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,338</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and interest-bearing deposits</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,393</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,587</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,199</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,439</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities held to maturity</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">506</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">517</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">529</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,314</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,320</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,802</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,490</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,487</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deposit accounts</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">744,455</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">716,530</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">688,048</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">670,066</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">667,000</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLB advances</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37,850</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,850</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Reserve Bank advances</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Shareholders&#8217; equity</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,607</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106,944</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">83,934</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88,663</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,585</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="14" valign="top" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2008</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="13" valign="bottom" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands, except per share data)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">OPERATING DATA:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest income</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,532</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,214</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,262</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52,850</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60,682</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest expense</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,865</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,052</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,376</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,183</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,730</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,667</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,162</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,886</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,667</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,952</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,350</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,075</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,900</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,150</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,900</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income after provision</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">for loan losses</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,317</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">30,087</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,986</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,517</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,052</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gains (losses) from sale of loans,</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities and real estate owned</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(396)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">779</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,032</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">729</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">368</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impairment on investment security</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,003</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,414</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other non-interest income</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,223</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,110</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,237</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,215</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,514</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest expense</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,423</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31,496</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,973</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,259</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,791</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income (loss) before income taxes</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(23,279</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,480</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8,721</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,212</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,143</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision (benefit) for income taxes</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,378</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,165</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,277</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,562</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,499</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income (loss)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,650</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,644</font></div>
</td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Earnings (loss) per share:&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Basic</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1.42</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.24</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.51</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="top" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.25</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.79</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Diluted</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1.42</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.24</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.51</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.25</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.79</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dividends per share</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.135</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.42</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">48</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="18" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At or For the Year Ended March 31,</font></font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="FONT-WEIGHT: bold">2008</font></font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">KEY FINANCIAL RATIOS:</font></div>
</td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Performance Ratios:</font></div>
</td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Return (loss) on average assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3.64</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">) %</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.51 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.62 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.29 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)%</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.04 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Return (loss) on average equity</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(30.19 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2.85 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.92</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dividend payout ratio <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
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<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(54.00 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53.16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest rate spread</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.17</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.19</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.73</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.09</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest margin</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.33</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.64</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.08</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.66</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest expense to average assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.95</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.70</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.02</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.34</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Efficiency ratio <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85.01</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73.16</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">82.97</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69.54</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">63.40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Asset Quality Ratios:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Average interest-earning assets</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">to interest-bearing liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120.53</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">116.86</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">114.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">114.85</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">116.75</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses to</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">total net loans at end of period</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.91</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.18</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.95</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.39</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses to</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;nonperforming loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">121.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60.10</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61.57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">139.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net charge-offs to average outstanding</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">loans during the period</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.67</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.48</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.12</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of nonperforming assets</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">to total assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.35</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.65</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.89</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.57</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.92</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of nonperforming loans</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">to total loans</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.45</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.79</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.90</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.00</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Capital Ratios:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total capital to risk-weighted assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.61</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.11</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11.46</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier 1 capital to risk-weighted assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.35</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.85</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.21</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.78</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Leverage ratio</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.76</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.84</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.50</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.29</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font>&#160;&#160;</font></div>
</td>
<td>
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Dividends per share divided by earnings (loss) per share</font></div>
</td>
</tr></table>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font>&#160;&#160;</font></div>
</td>
<td>
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Non-interest expense divided by the sum of net interest income and non-interest income</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">49</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations is intended to assist in understanding the financial condition and results of operations of the Company.&#160;&#160;The information contained in this section should be read in conjunction with the Consolidated Financial Statements and accompanying Notes thereto contained in Item 8 of this Form 10-K and the other sections contained in this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Critical Accounting Policies</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has established various accounting policies that govern the application of accounting principles generally accepted in the United States of America in the preparation of the Company&#8217;s Consolidated Financial Statements.&#160;&#160;The Company has identified policies that due to judgments, estimates and assumptions inherent in those policies are critical to an understanding of the Company&#8217;s Consolidated Financial Statements.&#160;&#160;These policies relate to the methodology for the determination of the allowance for loan losses, the valuation of investment securities, the valuation of real estate owned (&#8220;REO&#8221;) and foreclosed assets, goodwill valuation and the calculation of income taxes.&#160;&#160;These policies and the judgments, estimates and assumptions are described in greater detail in subsequent sections of Management&#8217;s Discussions and Analysis contained herein and in the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.&#160;&#160;In particular, Note 1 of the Notes to Consolidated Financial Statements, &#8220;Summary of Significant Accounting Policies,&#8221; describes generally the Company&#8217;s accounting policies.&#160;&#160;Management believes that the judgments, estimates and assumptions used in the preparation of the Company&#8217;s Consolidated Financial Statements are appropriate given the factual circumstances at the time.&#160;&#160;However, given the sensitivity of the Company&#8217;s Consolidated Financial Statements to these critical accounting policies, the use of other judgments, estimates and assumptions could result in material differences in the Company&#8217;s results of operations or financial condition.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Allowance for Loan Losses</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The allowance for loan losses is maintained at a level sufficient to provide for probable loan losses based on evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon the Company&#8217;s ongoing quarterly assessment of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are considered impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows, or collateral value or observable market price, of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans based on the Company&#8217;s risk rating system and historical loss experience adjusted for qualitative factors. The Company calculates its historical loss rates using the average of the last four quarterly 18-month periods. The Company calculates and applies its historical loss rates by individual loan types in its portfolio.&#160;&#160;These historical loss rates are adjusted for qualitative and environmental factors. An unallocated component is maintained to cover uncertainties that the Company believes have resulted in losses that have not yet been allocated to specific elements of the general and specific components of the allowance for loan losses. Such factors include uncertainties in economic conditions and in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriate allowance level is estimated based upon factors and trends identified by the Company at the time the consolidated financial statements are prepared.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management&#8217;s evaluation of the allowance for loan losses is based on ongoing, quarterly assessments of the known and inherent risks in the loan portfolio. Loss factors are based on the Company&#8217;s historical loss experience with additional consideration and adjustments made for changes in economic conditions, changes in the amount and composition of the loan </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">portfolio, delinquency rates, changes in collateral values, seasoning of the loan portfolio, duration of current business cycle, a detailed analysis of impaired loans and other factors as deemed appropriate. These factors are evaluated on a quarterly basis. Loss rates used by the Company are affected as changes in these factors increase or decrease from quarter to quarter. The Company also considers bank regulatory examination results and findings of internal credit examiners in its quarterly evaluation of the allowance for loan losses.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A loan is considered impaired when it is probable that the Company will be unable to collect all amounts (principal and interest) due according to the contractual terms of the loan agreement. Typically, factors used in determining if a loan is impaired are, but not limited to, whether the loan is 90 days or more delinquent, internally designated as substandard, on non-accrual status or a troubled debt restructuring (&#8220;TDR&#8221;). The majority of the Company&#8217;s impaired loans are considered collateral dependent. When a loan is considered collateral dependent, impairment is measured using the estimated value of the underlying collateral, less any prior liens, and when applicable, less estimated selling costs. For impaired loans that are not collateral dependent, impairment is measured using the present value of expected future cash flows, discounted at the loan&#8217;s original effective interest rate. When the net realizable value of the impaired loan is less than the recorded investment in the loan (including accrued interest, net deferred loan fees or costs, and unamortized premium or discount), an impairment is recognized by adjusting an allocation of the allowance for loan losses. Subsequent to the initial allocation of allowance to the individual loan the Company may conclude that it is appropriate to record a charge-off of the impaired portion of the loan. When a charge-off is recorded the loan balance is reduced and the specific allowance is eliminated.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Generally, when a collateral dependent loan is initially measured for impairment and does not have an appraisal performed in the last six months, the Company obtains an updated market valuation. Subsequently, the Company obtains an updated market valuation on an annual basis. The valuation may occur more frequently if the Company determines that there is an indication that the market value may have declined.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Investment Valuation</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Investment securities are classified as held to maturity when the Company has the ability and positive intent to hold such securities to maturity. Investment securities held to maturity are carried at amortized cost. Unrealized losses due to fluctuations in fair value are recognized when it is determined that a credit related other than temporary decline in value has occurred. Investment securities bought and held principally for the purpose of sale in the near term are classified as trading securities. Securities that the Company intends to hold for an indefinite period, but not necessarily to maturity are classified as available for sale. Securities available for sale are reported at fair value. Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in a separate component of shareholders&#8217; equity entitled &#8220;accumulated other comprehensive income (loss).&#8221; Realized gains and losses on securities available for sale, determined using the specific identification method, are included in earnings.&#160;&#160;Premiums and discounts are amortized using the interest method over the period to maturity or expected call, if sooner.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Unrealized losses on available for sale and held to maturity securities are evaluated at least quarterly to determine whether the declines in value should be considered other than temporary.&#160;&#160;An other than temporary impairment (&#8220;OTTI&#8221;) is separated into a credit and noncredit component.&#160;&#160;Noncredit component losses are recorded in other comprehensive income (loss) when the Company a) does not intend to sell the security or b) is not more likely than not to have to sell the security prior to the security&#8217;s anticipated recovery. Credit component losses are reported through earnings. To determine the component of OTTI related to credit losses, the Company compares the amortized cost basis of the OTTI security to the present value of the revised expected cash flows, discounted using the current pre-impairment yield. Significant judgment of management is required in this analysis that includes, but is not limited to, assumptions regarding the ultimate collectability of principal and interest on the underlying collateral.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Although the determination of whether an impairment is other-than-temporary involves significant judgment, the underlying principle used is based on positive evidence indicating that an investment&#8217;s carrying value is recoverable within a reasonable period of time outweighs negative evidence to the contrary.&#160;&#160;Evidence that is objectively determinable and verifiable is given greater weight than evidence that is subjective and or not verifiable. Evidence based on future events will generally be less objective as it is based on future expectations and therefore is generally less verifiable or not verifiable at all.&#160;&#160;Factors considered in evaluating whether a decline in value is other-than-temporary include, (a) the length of time and the extent to which the fair value has been less than amortized cost, (b) the financial condition and near-term prospects of the issuer and (c) the Company&#8217;s intent and ability to retain the investment for a period of time. Other factors that may be considered include the ratings by recognized rating agencies; capital strength and other near-term prospects of the issuer and recommendation of investment advisors or market analysts.&#160;&#160;In situations in which the security&#8217;s fair value is below amortized cost but it continues to be probable that all contractual terms of the security will be satisfied, the decline is solely </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">attributable to noncredit factors, and the Company asserts that it has positive intent and ability to hold that security to maturity, no OTTI is recognized.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Valuation of REO and Foreclosed Assets</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Real estate properties acquired through foreclosure or by deed-in-lieu of foreclosure are recorded at the lower of cost or fair value less estimated costs to sell. Fair value is generally determined by management based on a number of factors, including third-party appraisals of fair value in an orderly sale. Accordingly, the valuation of REO is subject to significant external and internal judgment. Any differences between management&#8217;s assessment of fair value, less estimated costs to sell, and the carrying value of the loan at the date a particular property is transferred into REO are charged to the allowance for loan losses. Management periodically reviews REO values to determine whether the property continues to be carried at the lower of its recorded book value or fair value, net of estimated costs to sell. Any further decreases in the value of REO are considered valuation adjustments and trigger a corresponding charge to non-interest expense in the Consolidated Statements of Operations. Expenses from the maintenance and operations of REO are included in other non-interest expense.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Goodwill Valuation</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Goodwill is initially recorded when the purchase price paid for an acquisition exceeds the estimated fair value of the net identified tangible and intangible assets acquired. Goodwill is presumed to have an indefinite useful life and is tested, at least annually, for impairment at the reporting unit level. The Company has one reporting unit, the Bank, for purposes of computing goodwill. All of the Company&#8217;s goodwill has been allocated to this single reporting unit. The Company performs an annual review in the third quarter of each year, or more frequently if indications of potential impairment exist, to determine if the recorded goodwill is impaired. If the fair value exceeds the carrying value, goodwill at the reporting unit level is not considered impaired and no additional analysis is necessary. If the carrying value of the reporting unit is higher than its fair value, there is an indication that impairment may exist and additional analysis must be performed to measure the amount of impairment loss, if any. The amount of impairment is determined by comparing the implied fair value of the reporting unit&#8217;s goodwill to the carrying value of the goodwill in the same manner as if the reporting unit was being acquired in a business combination. Specifically, the Company would allocate the fair value to all of the assets and liabilities of the reporting unit, including unrecognized intangible assets, in a hypothetical analysis that would calculate the implied fair value of goodwill. If the implied fair value of goodwill is less than the recorded goodwill, the Company would record an impairment charge for the difference.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A significant amount of judgment is involved in determining if an indicator of impairment has occurred. Such indicators may include, among others; a significant decline in our expected future cash flows; a sustained, significant decline in our stock price and market capitalization; a significant adverse change in legal factors or in the business climate; adverse action or assessment by a regulator; and unanticipated competition. Any adverse change in these factors could have a significant impact on the recoverability of these assets and could have a material impact on the Company&#8217;s Consolidated Financial Statements.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Income taxes</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company estimates tax expense based on the amount it expects to owe various tax authorities.&#160;&#160;Accrued taxes represent the net estimated amount due or to be received from taxing authorities.&#160;&#160;In estimating accrued taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions taking into account statutory, judicial and regulatory guidance in the context of our tax position.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We determine our deferred income taxes using the balance sheet method, under which the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense or benefit is recorded based on changes in deferred tax assets and liabilities between periods. The Company records net deferred tax assets to the extent these assets will more likely than not be realized. In making the determination whether a deferred tax asset is more likely than not to be realized, management seeks to evaluate all available positive and negative evidence including the possibility of future reversals of existing taxable temporary differences, projected future taxable income, tax planning strategies and recent financial results. A deferred tax asset valuation allowance is established to reduce the net carrying amount of deferred tax assets if it is determined to be more likely than not that all or some portion of the deferred tax asset will not be realized. Based on its evaluation of the Company&#8217;s deferred tax assets as of March 31, 2012, management determined that it was appropriate to record a deferred tax asset valuation allowance of $16.8 million, reducing its deferred tax asset to $603,000 which is the amount related to the Company&#8217;s unrealized losses on its available for sale debt securities.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In reaching the determination to record the deferred tax asset valuation allowance, management evaluated all available evidence; however, a significant piece of objective evidence was the Company&#8217;s cumulative loss over the three year period ended December 31, 2011. This objective evidence limited management's ability to consider other subjective evidence, </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">including any subjective expectation of a return to profitability in the future. Management will review the deferred tax asset on a quarterly basis. In the event management later determines that the Company is more likely than not to be able to realize the tax benefits, any future reversals of the deferred tax asset valuation allowance as a result of changes in the factors considered by management in establishing the allowance, including any return to profitability, would decrease the Company&#8217;s income tax expense and increase its after tax net income in the periods in which a reversal is recorded. For additional information see Note 1 and Note 12 of the Notes to the Consolidated Financial Statements in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">See Note 1 of the Notes to the Consolidated Financial Statements in Item 8 of this Form 10-K for a description of recently adopted and new accounting pronouncements, including the respective dates of adoption and expected effects on the Company&#8217;s financial position and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Operating Strategy</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Fiscal year 2012 marked the 89th anniversary since the Bank began operations in 1923.&#160;&#160;The historical emphasis had been on residential real estate lending. Since 1998, however, the Company has been diversifying its loan portfolio through the expansion of its commercial and construction loan portfolios. At March 31, 2012, commercial and construction loans represented 80.0% of total loans. Commercial lending including commercial real estate typically has higher credit risk, greater interest margins and shorter terms than residential lending which can increase the loan portfolio&#8217;s profitability. The primary business strategy of the Company is to provide comprehensive banking and related financial services within its local communities.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">During 2008, the national and regional residential lending market experienced a notable slowdown. This downturn, which has continued into 2012, has negatively affected the economy in our primary market area. As a result, the Company experienced a decline in the values of real estate collateral supporting its loans, and experienced increased loan delinquencies and defaults.&#160;&#160;These declines were initially concentrated primarily in its residential construction and land development loans portfolios.&#160;&#160;However, recently the Company has seen increased deterioration in its commercial business and commercial real estate loan performance and underlying collateral values. Throughout fiscal 2008 and continuing to the present, higher than historical provision for loan losses has been the most significant factor affecting our operating results and, while the Company is encouraged by the continuing reduction in the Company&#8217;s exposure to residential construction and land development loans, looking forward, we anticipate our credit costs could remain elevated for the foreseeable future as compared to historical levels. Although economic conditions appear to have stabilized, a prolonged weak economy in our primary market area could result in additional increases in nonperforming assets, further increases in the provision for loan losses and loan charge-offs in the future. As a result, like most financial institutions, our future operating results and financial performance will be significantly affected by the course of recovery in our primary market area from the recent recessionary downturn.<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font> In response to these financial challenges, the Company has taken and is continuing to take a number of actions aimed at preserving existing capital, reducing lending concentrations and associated capital requirements, and increasing liquidity. The tactical actions taken include, but are not limited to: focusing on reducing the amount of nonperforming assets, adjusting the balance sheet by reducing and or selling loan receivables, selling real estate owned, reducing controllable operating costs, increasing retail deposits while maintaining available secured borrowing facilities to improve liquidity and eliminating dividends to shareholders.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s goal is to deliver returns to shareholders by managing problem assets, increasing higher-yielding assets (in particular commercial real estate and commercial business loans), increasing core deposit balances, reducing expenses, hiring experienced employees with a commercial lending focus and exploring expansion opportunities. The Company seeks to achieve these results by focusing on the following objectives:</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">compared to $71.7 million a year ago. Despite these efforts, during the fiscal year ended March 31, 2012, nonperforming assets increased from $39.9 million at March 31, 2011 to $62.9 million at March 31, 2012. Likewise, nonperforming loans increased from $12.3 million at March 31, 2011 to $44.2 million at March 31, 2012. These increases were offset by a decrease in REO of $8.9 million at March 31, 2012 compared to March 31, 2011. Nonperforming loans increased due primarily to continued strains on borrowers as a result of the continued weak economic conditions in the Company&#8217;s primary market area.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Improving Earnings by Expanding Product Offerings</font>. The Company intends to prudently increase the percentage of its assets consisting of higher-yielding commercial real estate and commercial loans, which offer higher risk-adjusted returns, shorter maturities and more sensitivity to interest rate fluctuations.&#160;&#160;The Company also intends to selectively add additional products to further diversify revenue sources and to capture more of each customer&#8217;s banking relationship by cross selling loan and deposit products and additional services to Bank customers, including services provided through RAMCorp to increase its fee income. Assets under management by RAMCorp. totaled $359.6 million at March 31, 2012 compared to $328.1 million at March 31, 2011.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company continuously reviews new products and services to provide its customers more financial options. All new technology and services are generally reviewed for business development and cost saving purposes. The Bank has implemented remote check capture at all of its branches and for selected customers of the Bank. The Company continues to experience growth in customer use of its online banking services, which allows customers to conduct a full range of services on a real-time basis, including balance inquiries, transfers and electronic bill paying. The Company also upgraded its online banking product for consumer customers, providing consumer customers greater flexibility and convenience in conducting their online banking. The Company&#8217;s online service has also enhanced the delivery of cash management services to business customers. The Company also participates in an internet deposit listing service which allows the Company to post time deposit rates on an internet site where institutional investors have the ability to deposit funds with the Company. Furthermore, the Company may utilize the internet deposit listing service to purchase certificates of deposit at other financial institutions. The Company also offers Insured Cash Sweep (ICS&#8482;), a reciprocal money market product, to its customers in along with the Certificate of Deposit Account Registry Service (CDARS&#8482;) program which allows customers access to FDIC insurance on deposits exceeding the $250,000 FDIC insurance limit.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Attracting Core Deposits and Other Deposit Products.</font> The Company&#8217;s strategic focus is to emphasize total relationship banking with its customers to internally fund its loan growth.&#160;&#160;The Company has reduced its reliance on other wholesale funding sources, including FHLB and FRB advances, by focusing on the continued growth of core customer deposits. The Company believes that a continued focus on customer relationships will help to increase the level of core deposits and locally-based retail certificates of deposit.&#160;&#160;<a name="iRIns_38"><!--EFPlaceholder--></a>In addition to its retail branches, the Company maintains technology-based products, such as personal financial management, business cash management, and business remote deposit products<a name="iRIns_39"><!--EFPlaceholder--></a>, that enable it to compete effectively with banks of all sizes. Core branch deposits (comprised of all demand, savings, interest checking accounts and all time deposits but excludes wholesale-brokered deposits, trust account deposits, Interest on Lawyer Trust Accounts (&#8220;IOLTA&#8221;), public funds and Internet based deposits) increased $39.2 million during this same period. The Company had no outstanding advances from the FHLB or the FRB at March 31, 2012 and 2011.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Continued Expense Control.</font> Since fiscal 2009, management has undertaken several initiatives to reduce non-interest expense and will continue to make it a priority to identify cost savings opportunities throughout all aspects of the Company&#8217;s operations. The Company has instituted expense control measures such as cancelling certain projects and capital purchases, and reducing travel and entertainment expenditures. During October 2009, a branch and a loan origination office were closed as a result of their failure to meet the Company&#8217;s required growth standards. The Company has formed a cost saving committee whose mission is to find additional cost saving opportunities at the Company. The Company also completed an evaluation of its staffing levels in light of the continued weak prospects for loan growth.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Recruiting and Retaining Highly Competent Personnel With a Focus on Commercial Lending.</font> The Company&#8217;s ability to continue to attract and retain banking professionals with strong community relationships and significant knowledge of its markets will be a key to its success. The Company believes that it enhances its market position and adds profitable growth opportunities by focusing on hiring and retaining experienced bankers focused on owner occupied commercial real estate and commercial lending, and the deposit balances that accompany these relationships. The Company emphasizes to its employees the importance of delivering exemplary customer service and seeking opportunities to build further relationships with its customers. The goal is to compete with other financial service providers by relying on the strength of the Company&#8217;s customer service and relationship banking approach. The Company believes that one of its strengths is that its employees are also significant shareholders through the Company&#8217;s employee stock ownership (&#8220;ESOP&#8221;) and 401(k) plans.&#160;&#160;The Company also offers an incentive system that is designed to reward well-balanced and high quality growth among its employees.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Disciplined Franchise Expansion.</font>&#160;&#160;The Company believes that opportunities currently exist within its market area to grow its franchise.&#160;&#160;The Company anticipates organic growth as the local economy and loan demand strengthens, through its marketing efforts and as a result of the opportunities being created as a result of the consolidation of financial institutions that is occurring in its market area. The Company expects to gradually expand its operations further in the Portland, Oregon metropolitan area which has a population of approximately two million people. The Company will continue to be disciplined as it pertains to future expansion focusing on the Pacific Northwest markets it knows and understands. As part of its expansion strategy, the Company recently announced plans to open a new branch in Gresham, Oregon.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Cash, including interest-earning accounts, totaled $46.4 million at March 31, 2012, compared to $51.8 million at March 31, 2011.&#160;&#160;The Company has been maintaining a higher liquidity position as compared to historical levels for regulatory and asset-liability matching purposes. As a part of the Company&#8217;s liquidity strategy, the Company invests a portion of its excess cash in short-term certificates of deposit at a higher yield than cash held in interest-earning accounts in order to maximize earnings. All of the certificates of deposit held for investment are fully insured under the FDIC. At March 31, 2012, certificates of deposits held for investments totaled $41.5 million compared to $14.9 million at March 31, 2011.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Investment securities available-for-sale totaled $6.3 million at March 31, 2012 and 2011. During the fiscal years ended March 31, 2012 and 2011, the Company had no OTTI charges on investment securities. For additional information on our Level 3 fair value measurements see &#8220;-Fair Value of Level 3 Assets&#8221;.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Mortgage-backed securities available-for-sale totaled $974,000 at March 31, 2012, compared to $1.8 million at March 31, 2011.&#160;&#160;The $803,000 decrease was a result of principal repayments. The Company does not believe it has any exposure to sub-prime mortgage-backed securities.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loans receivable, net, was $664.9 million at March 31, 2012, compared to $672.6 million at March 31, 2011. Consistent with its focus of increasing high-quality one-to-four family mortgage loans and reducing speculative construction and land development loans, the Company&#8217;s one-to-four family mortgage loan portfolio increased $30.4 million to $100.6 million while its speculative construction and land development loan portfolios decreased $5.7 million and $16.4 million, respectively, from March 31, 2011 to March 31, 2012.&#160;&#160;The increase in the one-to-four family loan portfolio was offset by a combination of loan payoffs, principal repayments, transfers to REO and loan charge-offs. A substantial portion of the loan portfolio is secured by real estate, either as primary or secondary collateral, located in the Company&#8217;s primary market area.&#160;&#160;Risks associated with loans secured by real estate include decreasing land and property values, material increases in interest rates, deterioration in local economic conditions, tightening credit or refinancing markets, and a concentration of loans within any one area.&#160;&#160;The Company has no option adjustable-rate mortgage (ARM), teaser, or sub-prime residential real estate loans in its portfolio.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Prepaid expenses and other assets were $6.4 million at March 31, 2012 compared to $5.9 million at March 31, 2011. The increase was primarily due to a $914,000 increase in income taxes receivable and an increase of $496,000 in other assets related to funds received on the sale of two REO properties.&#160;&#160;These increases were partially offset by a decrease of $793,000 in prepaid expenses, which is mainly comprised of the amortization of prepaid FDIC insurance assessments.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Goodwill was $25.6 million at March 31, 2012 and 2011.&#160;&#160;The Company performed its annual goodwill impairment test during the third quarter ended December 31, 2011.&#160;&#160;The results of these tests indicated that the Company&#8217;s goodwill was not impaired.&#160;&#160;For additional information on our goodwill impairment testing, see "Goodwill Valuation" included in this Item 7.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Deposit accounts totaled $744.5 million at March 31, 2012 compared to $716.5 million at March 31, 2011. Core branch deposits (comprised of all demand, savings, interest checking accounts, time deposits, excluding Trust account deposits, IOLTA-IRETA, public funds and internet-based deposits) increased $39.3 million and accounts for 92.5% of total deposits at March 31, 2012, compared to 91.1% at March 31, 2011.&#160;&#160;At March 31, 2012 and 2011, there were no brokered deposits (exclusive of CDARS and ICS deposits). The Company plans to continue its focus on the growth of customer branch deposits and on building customer relationships as opposed to obtaining deposits through the wholesale markets.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Shareholders' equity decreased $31.3 million to $75.6 million at March 31, 2012 from $106.9 million at March 31, 2011. The decrease in equity was primarily a result of the $31.7 million net loss for the year ended March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Goodwill Valuation</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Goodwill is initially recorded when the purchase price paid for an acquisition exceeds the estimated fair value of the net identified tangible and intangible assets acquired. Goodwill is presumed to have an indefinite useful life and is tested, at least annually, for impairment at the reporting unit level. The Company has one reporting unit, the Bank, for purposes of computing goodwill. All of the Company&#8217;s goodwill has been allocated to this single reporting unit. The Company performs an annual review in the third quarter of each fiscal year, or more frequently if indications of potential impairment exist, to determine if the recorded goodwill is impaired. If the fair value exceeds the carrying value, goodwill at the reporting unit level is not considered impaired and no additional analysis is necessary.&#160;&#160;If the carrying value of the reporting unit is higher than its fair value, there is an indication that impairment may exist and additional analysis must be performed to measure the amount of impairment loss, if any. The amount of impairment is determined by comparing the implied fair value of the reporting unit&#8217;s goodwill to the carrying value of the goodwill in the same manner as if the reporting unit was being acquired in a business combination. Specifically, the Company would allocate the fair value to all of the assets and liabilities of the reporting unit, including unrecognized intangible assets, in a hypothetical analysis that would calculate the implied fair value of goodwill. If the implied fair value of goodwill is less than the recorded goodwill, the Company would record an impairment charge for the difference.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A significant amount of judgment is involved in determining if an indicator of impairment has occurred. Such indicators may include, among others; a significant decline in expected future cash flows; a sustained, significant decline in our stock price and market capitalization; a significant adverse change in legal factors or in the business climate; adverse assessment or action by a regulator; and unanticipated competition. Any adverse change in these factors could have a significant impact on the recoverability of such assets and could have a material impact on the Company&#8217;s Consolidated Financial Statements.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company performed its annual goodwill impairment test during the quarter-ended December 31, 2011. The goodwill impairment test involves a two-step process. Step one of the goodwill impairment test estimates the fair value of the reporting unit utilizing the allocation of corporate value approach, the income approach and the market approach in order to derive an enterprise value of the Company. The allocation of corporate value approach applies the aggregate market value of the Company and divides it among the reporting units. A key assumption in this approach is the control premium applied to the aggregate market value. A control premium is utilized as the value of a company from the perspective of a controlling interest and is generally higher than the widely quoted market price per share. The Company used an expected control premium of 30%, which was based on comparable transactional history. The income approach uses a reporting unit&#8217;s projection of estimated operating results and cash flows that is discounted using a rate that reflects current market conditions. The projection uses management&#8217;s best estimates of economic and market conditions over the projected period including growth rates in loans and deposits, estimates of future expected changes in net interest margins and cash expenditures. Assumptions used by the Company in its discounted cash flow model (income approach) included an annual revenue growth rate that approximated 3%, a net interest margin that approximated 4.40% and a return on assets that ranged from 0.48% to 1.06% (average of 0.83%). In addition to utilizing the above projections of estimated operating results, key assumptions used to determine the fair value estimate under the income approach was the discount rate of 15.5% utilized for our cash flow estimates and a terminal value estimated at 1.0 times the ending book value of the reporting unit. The Company used a build-up approach in developing the discount rate that included: an assessment of the risk free interest rate, the rate of return expected from publicly traded stocks, the industry the Company operates in and the size of the Company. The market approach estimates fair value by applying cash flow multiples to the reporting unit&#8217;s operating performance. The multiples are derived from comparable publicly traded companies with similar operating and investment characteristics of the reporting unit. In applying the market approach method, the Company selected eight publicly traded comparable institutions based on a variety of financial metrics (tangible equity, leverage ratio, return on assets, return on equity, net interest margin, nonperforming assets, net charge-offs, and reserves for loan losses) and other relevant qualitative factors (geographical location, lines of business, business model, risk profile, availability of financial information, etc.). After selecting comparable institutions, the Company derived the fair value of the reporting unit by completing a comparative analysis of the relationship between their financial metrics listed above and their market values utilizing various market multiples. The Company calculated a fair value of its reporting unit of $68 million using the corporate value approach, $83 million using the income approach and $74 million using the market approach. The results of the Company&#8217;s step one test indicated that the reporting unit&#8217;s fair value was less than its carrying value and therefore the Company performed a step two analysis.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company calculated the implied fair value of its reporting unit under step two of the goodwill impairment test. Under this approach, the Company calculated the fair value for its unrecognized deposit intangible, as well as the remaining assets and liabilities of the reporting unit. The calculated implied fair value of the Company&#8217;s goodwill exceeded the carrying value by $29 million. Significant adjustments were made to the fair value of the Company&#8217;s loans receivable compared to its recorded value. The Company used two separate methods to determine the fair value of its loans receivable. For performing and noncriticized loans, the Company utilized a discounted cash flow approach. For nonperforming and criticized loans, the Company utilized a comparable transaction approach using comparable loan sales. A key assumption used by the Company under each method was determining an appropriate discount rate. For the discounted cash flow approach the Company started with its contractual cash flows and its current lending rate for comparable loans and adjusted these for both credit and liquidity premiums. For the comparable transaction approach a weighted average discount rate was used that approximated the discount for similar loan sales by the FDIC. Based on results of the step two impairment test, the Company determined no impairment charge of goodwill was required.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">An interim impairment test was not deemed necessary as of March 31, 2012, due to there not being a significant change in the reporting unit&#8217;s assets and liabilities, the amount that the fair value of the reporting unit exceeded the carrying value as of the most recent valuation, and because the Company determined that, based on an analysis of events that have occurred and circumstances that have changed since the most recent valuation date, the likelihood that a current fair value determination would be less than the current carrying amount of the reporting unit is remote.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Even though the Company determined that there was no goodwill impairment during the third quarter of fiscal 2012, continued declines in the value of its stock price as well as values of other financial institutions, declines in revenue for the Company beyond our current forecasts and significant adverse changes in the operating environment for the financial industry may result in a future impairment charge.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">It is possible that changes in circumstances existing at the measurement date or at other times in the future, or in the numerous estimates associated with management&#8217;s judgments, assumptions and estimates made in assessing the fair value of our goodwill, could result in an impairment charge of a portion or all of our goodwill. If the Company recorded an impairment charge, its financial position and results of operations would be adversely affected, however, such an impairment charge would have no impact on our liquidity, operations or regulatory capital.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company determines the fair value of certain assets that are classified as Level 3 under the fair value hierarchy established by accounting standards. These Level 3 assets are valued using significant unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets. These Level 3 assets include certain available for sale securities, loans measured for impairment, and REO for which there is neither an active market for identical assets from which to determine fair value, nor is there sufficient, current market information about similar assets to use as observable, corroborated data for all significant inputs in a valuation model. Under these circumstances, the fair values of these assets are determined using pricing models, discounted cash flow methodologies, appraisals, valuation in accordance with accounting standards, for which the determination of fair value requires significant management judgment or estimation.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Valuations using models or other techniques are dependent upon assumptions used for the significant inputs.&#160;&#160;Where market data is available, the inputs used for valuation reflect that information as of the valuation date. In periods of extreme volatility, lessened liquidity or in illiquid markets, there may be more variability in market pricing or a lack of market data to use in the valuation process.&#160;&#160;Judgment is then applied in formulating those inputs.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the market for the Company&#8217;s collateralized debt obligation (&#8220;CDO&#8221;), which is secured by trust preferred securities issued by other bank holding companies, was determined to be inactive in management&#8217;s judgment. This determination was made by the Company after considering the last known trade date for this specific security, the low number of transactions for similar types of securities, the significant widening of the bid-ask spread in the brokered markets in which these securities trade, the low number of new issuances for similar securities, the significant increase in the implied liquidity risk premium for similar securities, the lack of information that is released publicly and discussions with third-party industry analysts. Due to the inactivity in the market, observable market data was not readily available for all significant inputs for this security. Accordingly, the trust preferred pooled security was classified as Level 3 in the fair value hierarchy. Consistent with previous valuations, the Company determined that an income approach valuation technique (using cash flows and present value techniques) that maximizes the use of relevant observable inputs and minimizes the use of unobservable inputs was the most appropriate valuation technique. Management used significant unobservable inputs that reflect our assumptions of what a market participant would use to price this security. Significant unobservable inputs </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">included selecting an appropriate discount rate, default rate and repayment assumptions. The Company estimated the discount rate by comparing rates for similarly rated corporate bonds, with additional consideration given to market liquidity. The default rates and repayment assumptions were estimated based on the individual issuer&#8217;s financial conditions, historical repayment information, as well as our future expectations of the capital markets. The reasonableness of the fair value, and classification as a Level 3 asset, was validated through comparison of fair value as determined by two independent third-party pricing services.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Additionally, the Company received two independent Level 3 valuation estimates for this security. Those valuation estimates were based on proprietary pricing models utilizing significant unobservable inputs.&#160;&#160;Although the Company&#8217;s estimate of fair value fell outside the range of valuations provided, the magnitude in the range of fair value estimates further supported the difficulty in estimating the fair value for these types of securities in the current environment.&#160;&#160;Additionally, the Company believes that some of the assumptions used were overly aggressive and unrealistic. Therefore, the Company believes its valuation at March 31, 2012 is reasonable.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Certain loans included in the loan portfolio were deemed impaired at March 31, 2012.&#160;&#160;Accordingly, loans measured for impairment were classified as Level 3 in the fair value hierarchy as there is no active market for these loans.&#160;&#160;Measuring impairment of a loan requires judgment and estimates, and the eventual outcomes may differ from those estimates.&#160;&#160;Impairment was measured based on a number of factors, including recent independent appraisals which are further reduced for estimated selling costs or as a practical expedient by estimating the present value of expected future cash flows, discounted at the loan&#8217;s effective interest rate.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In addition, REO was classified as Level 3 in the fair value hierarchy.&#160;&#160;Management generally determines fair value based on a number of factors, including third-party appraisals of fair value less estimated costs to sell.&#160;&#160;The valuation of REO is subject to significant external and internal judgment, and the eventual outcomes may differ from those estimates.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For additional information on our Level 1, 2 and 3 fair value measurements see Note 17 of the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Comparison of Operating Results for the Years Ended March 31, 2012 and 2011</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Net Income or Loss.</font>&#160;&#160;Net loss was $31.7 million, or $(1.42) per diluted share for the year ended March 31, 2012, compared to a net income of $4.3 million, or $0.24 per diluted share for the year ended March 31, 2011. The decrease in earnings reflects an increase in the provision for loan losses of $24.3 million, an increase in costs associated with REO properties of $3.3 million and the establishment of a $8.7 million valuation allowance against the Company&#8217;s deferred tax assets.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Net Interest Income.</font>&#160;&#160;The Company&#8217;s profitability depends primarily on its net interest income, which is the difference between the income it receives on interest-earning assets and the interest paid on deposits and borrowings. When interest-earning assets equal or exceed interest-bearing liabilities, any positive interest rate spread will generate net interest income. The Company&#8217;s results of operations are also significantly affected by general economic and competitive conditions, particularly changes in market interest rates, government legislation and regulation, and monetary and fiscal policies.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net interest income for fiscal year 2012 decreased $1.5 million, or a 4.3% to $33.7 million compared to $35.2 million in fiscal year 2011.&#160;&#160;The net interest margin for the fiscal year ended March 31, 2012 was 4.33% compared to 4.64% for the same prior year period. This decrease was primarily the result of the reversal of interest income on non-accrual loans, an increase in lower yielding cash and short term investments and the repricing of loans within the loan portfolio.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The ratio of average interest-earning assets to average interest-bearing liabilities increased to 120.53% for the fiscal year ended March 31, 2012 compared to 116.86% for the fiscal year ended March 31, 2011, which indicates that the interest-earning asset growth was being funded more by capital and non-interest-bearing demand deposits as compared to interest-bearing liabilities. Generally, the Company&#8217;s balance sheet interest rate sensitivity achieves better net interest rate margins in a stable or increasing interest rate environment due to the balance sheet being slightly asset interest rate sensitive.&#160;&#160;However, due to a significant number of loans in the loan portfolio with interest rate floors, net interest income will be negatively impacted in a rising interest rate environment until such time as the current rate exceeds these interest rate floors. While we do not anticipate further significant reductions in market interest rates, we do expect some further modest reductions in deposit costs due to our deposit offering rates and as existing long term deposits renew upon maturity and reprice to a lower rate. The amount and timing of these reductions is dependent on competitive pricing pressures, the relationship of short term and long term interest rates and changes in interest rate spreads.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Interest Income.</font>&#160;&#160;Interest income was $39.5 million for the fiscal year ended March 31, 2012 compared to $43.2 million for the fiscal year ended March 31, 2011. The decrease in interest income was due primarily to adjustable rate loans repricing to lower current market interest rates, and to a lesser extent the decrease in the average balance of loans receivable, the reversal of interest income from loans placed on non-accrual status as well as an increase in lower yielding cash and short term investments. Average interest-bearing assets increased $19.0 million to $777.9 million for fiscal year 2012 from $758.8 million for fiscal year 2011. The $19.0 million increase was mainly due to the increase in certificate of deposits held for investment. The funds used to purchase these certificate of deposits mainly resulted from the $27.9 million increase in deposits during fiscal year 2012. The yield on interest-earning assets was 5.08% for fiscal year 2012 compared to 5.70% for fiscal year 2011. During the years ended March 31, 2012 and 2011, the Company reversed $974,000 and $216,000, respectively, of interest income on nonperforming loans. Other interest and dividend income increased $190,000 to $400,000 for fiscal year 2012 compared to $210,000 for fiscal year 2011. This increase was primarily due to the increase in short-term certificates of deposit during fiscal year 2012, which generated interest income of $261,000.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Interest Expense.</font>&#160;&#160;Interest expense for the fiscal year ended March 31, 2012 totaled $5.9 million, a $2.2 million or 27.2% decrease from $8.1 million for the fiscal year ended March 31, 2011. The decrease in interest expense was the result of declining deposit costs, primarily due to the low interest rate environment and change in deposit mix. The deposit mix has shifted from higher costing certificates of deposits to lower costing transaction accounts. The Company has continued to lower its deposit costs throughout the year on many of its deposit products. The weighted average interest rate on interest-bearing deposits decreased from 1.06% for the year ended March 31, 2011 to 0.70% for the year ended March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Provision for Loan Losses.</font> The provision for loan losses for fiscal year 2012 was $29.4 million, compared to $5.1 million for the same period in the prior year. The increase in the provision for loan losses was primarily a result of an increase in the level of delinquent and classified loans compared to prior year. Recent appraisals received by the Company have also reflected declines in real estate values. The provision for loan losses continues to reflect higher levels of classified loans, delinquencies, nonperforming loans and net charge-offs compared to historical trends. These conditions are primarily the result of a slowdown in residential real estate sales that affected among others, homebuilders and developers. This slowdown in home sales coupled with declining real estate values has significantly affected these borrowers&#8217; liquidity and ability to repay loans. The Company&#8217;s problem loans continue to be concentrated in land acquisition and development loans.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net charge-offs for the year ended March 31, 2012 were $24.4 million, compared to $11.7 million for the same period last year. The net charge-offs were primarily attributable to the charge-off of land and lot loans totaling $10.9 million. Net charge-offs to average net loans for the year ended March 31, 2012 were 3.51%, compared to 1.67% for the same period last year. Charge-offs also increased partially as a result of the change in our primary regulator from the OTS to the OCC. OCC regulatory guidance requires charge-offs related to impaired loans for which specific valuation allowances had been recorded be eliminated. Nonperforming loans increased to $44.2 million at March 31, 2012 compared to $12.3 million at March 31, 2011. Nonperforming loans increased due primarily to continued strains on borrowers as a result of the continued weak economic conditions in the Company&#8217;s primary market area. The ratio of allowance for loan losses to total loans was 2.91% at March 31, 2012, compared to 2.18% at March 31, 2011. The allowance as a percentage of nonperforming loans decreased to 45.11% at March 31, 2012, compared to 121.46% at March 31, 2011. This ratio decreased due to the overall increase in nonperforming loans.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Impaired loans are subjected to an impairment analysis to determine an appropriate reserve amount to be held against each loan. As of March 31, 2012, the Company had identified $65.7 million of impaired loans. Because the significant majority of the impaired loans are collateral dependent, nearly all of the specific allowances are calculated based on the fair value of the collateral. Of those impaired loans, $45.5 million have no specific valuation allowance as their estimated collateral value is equal to or exceeds the carrying costs, which in some cases is the result of previous loan charge-offs. Charge-offs on these impaired loans totaled $10.8 million from their original loan balance.&#160;&#160;The remaining $20.2 million have specific valuation allowances totaling $1.6 million. Based on a comprehensive analysis, management deemed the allowance for loan losses of $19.9 million at March 31, 2012 (2.91% of total loans and 45.11% of nonperforming loans) adequate to cover probable losses inherent in the loan portfolio. See Note 6 of the Notes to the Consolidated Financial Statements in Item 8 of this Form 10-K for additional information regarding the allowance for loan losses.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2012 compared to the year ended March 31, 2011 primarily as a result the slowdown in real estate loan sales in our primary market area. These decreases were offset by asset management fees which increased $288,000 for the year ended March 31, 2012 compared to the prior year. The increase in asset management fees was a result of an increase in assets under management of RAMCorp., which totaled $328.1 million at March 31, 2011 compared to $359.6 million at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Non-Interest Expense.</font>&#160;&#160;Non-interest expense increased $2.9 million to $34.4 million for fiscal year ended March 31, 2012 compared to $31.5 million for fiscal year ended March 31, 2011. Management continues to focus on managing controllable costs as the Company proactively adjusts to lower levels of real estate lending activity. However, certain expenses remain out of the Company&#8217;s control, including FDIC insurance premiums and REO expenses and write-downs.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The principal component of the increase in the Company&#8217;s non-interest expense was due to the increase in REO related expenses (which includes operating costs, write-downs and losses on the disposition of property) of $3.3 million. REO related expense will remain elevated compared to historical levels due to the higher REO balances as compared to previous years.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">These increases were partially offset by an $827,000 decrease in salaries and employee benefits due to a reduction in incentive compensation and a $504,000 decrease in FDIC deposit insurance premiums as compared to the prior fiscal year. This decrease was a result of a change in the FDIC&#8217;s assessment fees and assessment base from total deposits to total assets less tangible equity.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Net Interest Income.</font>&#160;&#160;Net interest income for fiscal year 2011 was relatively unchanged at $35.2 million, representing a $276,000, or a 0.79% increase, from $34.9 million in fiscal year 2010.&#160;&#160;The net interest margin for the fiscal year ended March 31, 2011 was 4.64% compared to 4.39% for the same prior year period. This increase was primarily the result of a decrease in the Company&#8217;s deposit and borrowing costs.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Interest Income.</font>&#160;&#160;Interest income was $43.2 million for the fiscal year ended March 31, 2011 compared to $46.3 million for the fiscal year ended March 31, 2010. The decrease in interest income was due primarily to the decrease in the average balance of loans receivable. Average interest-bearing assets decreased $37.3 million to $758.8 million for fiscal year 2011 from $796.2 million for fiscal year 2010. The decrease in average loan balances was due to the Company&#8217;s efforts to realign its balance sheet and reduce its loan portfolio as part of the Company&#8217;s capital and liquidity strategy. The yield on interest-earning assets was 5.70% for fiscal year 2011 compared to 5.82% for fiscal year 2010. During the years ended March 31, 2011 and 2010, the Company reversed $216,000 and $757,000, respectively, of interest income on nonperforming loans. Other interest and dividend income increased $130,000 to $210,000 for fiscal year 2011 compared to $80,000 for fiscal year 2010. This increase was primarily due to the increase in short-term certificates of deposit during fiscal year 2011, which generated interest income of $111,000 that was not present during fiscal year 2010.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Interest Expense.</font>&#160;&#160;Interest expense for the fiscal year ended March 31, 2011 totaled $8.1 million, a $3.3 million or 29.2% decrease from $11.4 million for the fiscal year ended March 31, 2010. The decrease in interest expense was the result of declining deposit costs, primarily due to certificates of deposit repricing at lower current rates, and reduced borrowing costs attributable to the repayment of our FHLB and FRB borrowings. The Company has continued to lower its deposit costs throughout the year on many of its deposit products. The weighted average interest rate on interest-bearing deposits decreased from 1.67% for the year ended March 31, 2010 to 1.06% for the year ended March 31, 2011.&#160;&#160;The weighted average interest rate of FHLB borrowings decreased from 1.07% for the year ended March 31, 2010 to 0.73% for the year ended March 31, 2011. Average borrowings from the FHLB and FRB decreased from $93.1 million during fiscal year 2010 to $7.1 million during fiscal year 2011. The Company&#8217;s FHLB borrowings were fully paid off during August 2010 while the Company&#8217;s FRB borrowings were paid off in April 2010.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Provision for Loan Losses.</font> The provision for loan losses for fiscal year 2011 was $5.1 million, compared to $15.9 million for the same period in the prior year. The decrease in the provision for loan losses was primarily a result of a decrease in the level of delinquent and classified loans compared to prior year as well as the stabilizing economic conditions. Despite these improvements, the provision for loan losses continued to reflect higher levels of classified loans, delinquencies, nonperforming loans and net charge-offs compared to historical experiences. These conditions are primarily the result of a slowdown in residential real estate sales that affected among others, homebuilders and developers. This slowdown in home sales coupled with declining real estate values has significantly affected these borrowers&#8217; liquidity and ability to repay loans. The Company&#8217;s problem loans continue to be concentrated in land acquisition and development loans.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Net charge-offs for the year ended March 31, 2011 were $11.7 million, compared to $11.2 million for the same period last year. The net charge-offs were primarily attributable to the charge-off of land and lot loans totaling $4.1 million, speculative construction loans totaling $4.3 million and commercial business loans totaling $2.4 million for the year ended March 31, 2011. Net charge-offs to average net loans for the year ended March 31, 2011 were 1.67%, compared to 1.48% for the same period last year. Net charge-offs exceeded the provision for loan losses for the year ended March 31, 2011, which resulted in the overall decrease in the allowance for loan losses compared to the prior year. Charge-offs primarily relate to loans that were previously considered in our analysis of the adequacy of our allowance for loan losses and specifically reserved for by the Company at March 31, 2010. As a result, a corresponding increase in our allowance for loan losses was not required for these charge-offs. Nonperforming loans decreased to $12.3 million at March 31, 2011 compared to $36.0 million at March 31, 2010. The ratio of allowance for loan losses to total loans was 2.18% at March 31, 2011, compared to 2.95% at March 31, 2010.&#160;&#160;The allowance as a percentage of nonperforming loans increased to 121.5% at March 31, 2011, compared to 60.1% at March 31, 2010. This ratio increased due to the overall decrease in nonperforming loans.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Impaired loans are subjected to an impairment analysis to determine an appropriate reserve amount to be held against each loan. As of March 31, 2011, the Company had identified $27.3 million of impaired loans. Because the significant majority of our impaired loans are collateral dependent, nearly all of our specific allowances are calculated based on the fair value of the collateral. Of those impaired loans, $8.7 million have no specific valuation allowance as the estimated collateral value was equal to or exceeded the carrying costs, which in some cases was the result of previous loan charge-offs. The remaining $18.6 million have specific valuation allowances totaling $2.0 million. Based on its comprehensive analysis, management deemed the allowance for loan losses of $15.0 million at March 31, 2011 (2.18% of total loans and 121.46% of nonperforming loans) adequate to cover probable losses inherent in the loan portfolio. See Note 6 of the Notes to the Consolidated Financial Statements in Item 8 of this Form 10-K for additional information regarding the allowance for loan losses.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Non-Interest Income.</font>&#160;&#160;Non-interest income increased $623,000 to $7.9 million for the year ended March 31, 2011 from $7.3 million for the same period in 2010. The increase in non-interest income was primarily due to a $1.0 million OTTI charge on a pooled trust preferred security taken for the year ended March 31, 2010 while there was no similar OTTI charge for the year ended March 31, 2011. Gain on sale of loans held for sale decreased $494,000 for the year ended March 31, 2011 compared to the same period in prior year. The decrease was due to the decrease in real estate loan sales activity the Company experienced during fiscal year 2011 compared to fiscal year 2010 as homeowners took advantage of the historically low interest rates and government incentives during fiscal year 2010. The decrease was also attributable to the Company&#8217;s decision to hold single-family residential mortgage loans in its portfolio as opposed to selling these loans to FHLMC. Broker loan fees decreased by $533,000 in fiscal year 2011 compared to the year ended March 31, 2010 primarily as a result the slowdown in real estate loan sales. These decreases were offset by asset management fees which increased $194,000 for the year ended March 31, 2011 compared to the same prior year period. The increase in asset management fees was a result of the increase in assets under management of RAMCorp., which totaled $279.5 million at March 31, 2010 compared to $328.1 million at March 31, 2011.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Non-Interest Expense.</font>&#160;&#160;Non-interest expense decreased $3.5 million to $31.5 million for fiscal year ended March 31, 2011 compared to $35.0 million for fiscal year ended March 31, 2010. Management continues to focus on managing controllable costs as the Company proactively adjusts to lower levels of real estate lending activity. However, certain expenses remain out of the Company&#8217;s control, including FDIC insurance premiums and REO expenses and write-downs. Additionally, the Company has increased certain expenses including salaries and employee benefits and advertising expenses as the Company has hired several new professionals to position the Company for future growth opportunities and also resumed some employee incentive programs. The Company has increased the number of full-time equivalent employees from 233 at March 31, 2010 to 238 at March 31, 2011.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The principal component of the decrease in the Company&#8217;s non-interest expense was due to the decrease in REO related expenses (which includes operating costs, write-downs and losses on the disposition of property) of $4.6 million. REO related expense will remain elevated compared to historical levels due to the higher REO balances as compared to previous years.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s FDIC deposit insurance premiums were $1.6 million for the year ended March 31, 2011, compared to $1.9 million for same prior year period. The decrease was a result of a $417,000 special assessment paid in fiscal year 2010. The FDIC insurance premiums are higher than historical amounts as a result of an industry wide increase in FDIC insurance premiums.</font></div>

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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">and</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dividends</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yield/</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="26" valign="bottom" width="69%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-earning assets:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage loans</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">608,419</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,278</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.63</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">609,961</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37,570</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.16</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">650,101</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,896</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.14</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-mortgage loans</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,963</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,616</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.37</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">93,900</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,127</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.46</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">109,389</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,779</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.28</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total net loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">694,382</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,894</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.60</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">703,861</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,697</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.07</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">759,490</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,675</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.01</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,490</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.42</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,428</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.62</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,738</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">136</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.64</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,393</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">209</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.49</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,885</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">247</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.78</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,861</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">425</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.91</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Daily interest-bearing assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,186</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,234</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.08</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">964</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.10</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other earning assets</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69,413</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">400</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.58</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,439</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">203</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.59</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,113</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.37</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-earning assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">777,864</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,554</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.08</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">758,847</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,242</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.70</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">796,166</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,316</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.82</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Non-interest-earning assets:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Office properties and equipment, net</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,315</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,975</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,738</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other non-interest-earning assets</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76,475</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,305</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">66,628</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total assets</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">870,654</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">850,127</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">881,532</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest-bearing liabilities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Regular savings accounts</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40,345</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">124</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.31</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,124</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">160</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.47</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,526</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">162</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.55</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest checking</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">96,764</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">281</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.29</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81,279</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">239</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.29</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79,444</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">331</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.42</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market accounts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">234,325</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,049</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.45</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">214,490</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,846</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.86</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">192,064</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,360</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.23</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">248,696</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,903</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.17</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">287,109</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,324</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.51</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">277,639</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,782</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.44</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-bearing deposits</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">620,130</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,357</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.70</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">617,002</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,569</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.06</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">578,673</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,635</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.67</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other interest-bearing liabilities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,239</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,508</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.97</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,340</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,483</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.59</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">118,408</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,741</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.47</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest-bearing liabilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">645,369</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,865</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.91</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">649,342</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,052</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">697,081</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,376</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.63</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest-bearing liabilities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest-bearing deposits</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110,959</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">91,167</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,508</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other liabilities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,457</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,975</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,197</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total liabilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">765,785</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">749,484</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">790,786</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Shareholders&#8217; equity</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">104,869</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100,643</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">90,746</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total liabilities and shareholders&#8217; equity</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">870,654</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">850,127</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">881,532</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,689</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,190</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,940</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest rate spread</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.17</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.46</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.19</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest margin</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.33</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.64</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.39</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ratio of average interest-earning assets</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">to average interest-bearing liabilities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120.53</font></div>
</td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">116.86</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">114.21</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax Equivalent Adjustment <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">54</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td colspan="27" valign="bottom" width="100%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" colspan="27" valign="bottom" width="100%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;(1)</font> For purposes of the computation of average yield on investments available for sale, historical cost balances were utilized, therefore, the yield information does not give effect to change in fair value that are reflected as a component of shareholders&#8217; equity.</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" colspan="27" valign="bottom" width="100%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;(2)</font> Tax-equivalent adjustment relates to non-taxable investment interest income and preferred equity securities dividend income.&#160;&#160;The federal statutory tax rate was 34% for all years presented.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">63</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate/Volume Analysis</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table sets forth the effects of changing rates and volumes on net interest income of the Company. Information is provided with respect to: (i) effects on interest income attributable to changes in volume (changes in volume multiplied by prior rate); (ii) effects on interest income attributable to changes in rate (changes in rate multiplied by prior volume); and (iii) changes in rate/volume (change in rate multiplied by change in volume). Rate/volume variance is allocated based on the percentage relationship of changes in volume and changes in rate to the total net change.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="19" valign="bottom" width="60%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="9" valign="bottom" width="29%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012 vs. 2011</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="9" valign="bottom" width="29%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011 vs. 2010</font></div>
</td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="bottom" width="17%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Increase (Decrease) Due to</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="bottom" width="18%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Increase (Decrease) Due to</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Increase</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Increase</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Volume</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Decrease)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Volume</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Decrease)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="19" valign="bottom" width="60%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In thousands)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest Income:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage loans</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(94</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,198</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,292</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,456</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">130</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,326</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-mortgage loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(427</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(84</font></div>
</td>
<td align="left" valign="top" width="1%">
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</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(511</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(843</font></div>
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<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">191</font></div>
</td>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(652</font></div>
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</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(32</font></div>
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<td align="left" valign="top" width="2%">
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(37</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(47</font></div>
</td>
<td valign="bottom" width="2%">
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</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td valign="bottom" width="1%">
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</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(48</font></div>
</td>
<td valign="bottom" width="1%">
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</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
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</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(25</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(38</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(69</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(109</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(178</font></div>
</td>
<td valign="bottom" width="1%">
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</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Daily interest-bearing</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(7</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -18pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other earning assets</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">200</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">197</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">64</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">60</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">124</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(369</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,319</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
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<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,688</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
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<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,345</font></div>
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<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">271</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,074</font></div>
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<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest Expense:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Regular savings accounts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(62</font></div>
</td>
<td valign="bottom" width="1%">
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</td>
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<td align="right" valign="bottom" width="6%">
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</td>
<td valign="bottom" width="1%">
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23</font></div>
</td>
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(25</font></div>
</td>
<td valign="bottom" width="1%">
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<td align="right" valign="bottom" width="7%">
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</td>
<td valign="bottom" width="1%">
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</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest checking accounts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42</font></div>
</td>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(100</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(92</font></div>
</td>
<td valign="bottom" width="1%">
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</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market deposit accounts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">157</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(954</font></div>
</td>
<td valign="bottom" width="1%">
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</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(797</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">254</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(768</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(514</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(530</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(891</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,421</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">222</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,680</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,458</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other interest-bearing liabilities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(366</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">391</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,950</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,692</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(258</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest expense</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(671</font></div>
</td>
<td valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,516</font></div>
</td>
<td valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,187</font></div>
</td>
<td valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,443</font></div>
</td>
<td valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,881</font></div>
</td>
<td valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,324</font></div>
</td>
<td valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">302</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,803</font></div>
</td>
<td valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,501</font></div>
</td>
<td valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,902</font></div>
</td>
<td valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,152</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">250</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td colspan="9" valign="bottom" width="48%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;(1)</font> Interest is presented on a fully tax-equivalent basis under a tax rate of 34%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 72pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Asset and Liability Management</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company's principal financial objective is to achieve long-term profitability while reducing its exposure to fluctuating market interest rates. The Company has sought to reduce the exposure of its earnings to changes in market interest rates by attempting to manage the difference between asset and liability maturities and interest rates. The principal element in achieving this objective is to increase the interest rate sensitivity of the Company's interest-earning assets and interest-bearing liabilities. Interest rate sensitivity increases by retaining portfolio loans with interest rates subject to periodic adjustment to market conditions and selling fixed-rate one-to-four family mortgage loans with terms to maturity of more than 15 years. The Company relies on retail deposits as its primary source of funds. Management believes retail deposits reduce the effects of interest rate fluctuations because they generally represent a stable source of funds. As part of its interest rate risk management strategy, the Company promotes transaction accounts and certificates of deposit with terms up to ten years.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has adopted a strategy that is designed to maintain or improve the interest rate sensitivity of assets relative to its liabilities. The primary elements of this strategy involve: the origination of adjustable rate loans; increasing commercial loans, consumer loans that are adjustable rate and other short-term loans as a portion of total net loans receivable because of their generally shorter terms and higher yields than other one-to-four family residential mortgage loans; matching asset and liability maturities; investing in short-term securities; and selling most long term, fixed rate, one-to-four family mortgage loan originations. The strategy for liabilities has been to shorten the maturities for both deposits and borrowings. The longer-term objective is to increase the proportion of noninterest bearing demand deposits, low interest bearing demand deposits, money market accounts, and savings deposits relative to certificates of deposit to reduce our overall cost of funds.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company's mortgage servicing activities provide additional protection from interest rate risk. The Company retains servicing rights on all mortgage loans sold. As market interest rates rise, the fixed rate loans held in portfolio diminish in value. However, the value of the servicing portfolio tends to rise as market interest rates increase because borrowers tend not </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">to prepay the underlying mortgages, thus providing an interest rate risk hedge versus the fixed rate loan portfolio. Loans serviced for others totaled $108.8 million of which $90.7 million is serviced for FHLMC at March 31, 2012. See "Item 1.&#160;&#160;Business -- Lending Activities -- Mortgage Loan Servicing."</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consumer loans, such as home equity lines of credit and installment loans, commercial loans and construction loans typically have shorter terms and higher yields than permanent residential mortgage loans, and accordingly reduce the Company's exposure to fluctuations in interest rates. Adjustable interest rate loans totaled $416.2 million or 60.8% of total loans at March 31, 2012 as compared to $468.8 million or 68.2% at March 31, 2011. Although the Company has sought to originate adjustable rate loans, the ability to originate and purchase such loans depends to a great extent on market interest rates and borrowers' preferences. Particularly in lower interest rate environments, borrowers often prefer to obtain fixed rate loans. See Item 1. &#8220;Business - Lending Activities - Construction Lending" and &#8220;- Lending Activities - Consumer Lending."</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company may also invest in short-term to medium-term U.S. Government securities as well as mortgage-backed securities issued or guaranteed by U.S. Government agencies.&#160;&#160;At March 31, 2012 the combined portfolio carried at $8.0 million had an average term to repricing or maturity of 3.75 years.&#160;&#160;Adjustable rate mortgage-backed securities totaled $397,000 at March 31, 2012 compared to $489,000 at March 31, 2011.&#160;&#160;See Item 1. &#8220;Business -- Investment Activities."</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liquidity and Capital Resources</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Liquidity is essential to our business.&#160;&#160;The objective of the Bank&#8217;s liquidity management is to maintain ample cash flows to meet obligations for depositor withdrawals, to fund the borrowing needs of loan customers, and to fund ongoing operations.&#160;&#160;Core relationship deposits are the primary source of the Bank&#8217;s liquidity.&#160;&#160;As such, the Bank focuses on deposit relationships with local consumer and business clients who maintain multiple accounts and services at the Bank. With the significant downturn in economic conditions our customers in general have experienced reduced funds available to deposit in the Bank.&#160;&#160;Despite these difficult economic conditions, customer relationship deposit balances increased to $688.6 million at March 31, 2012 compared to $649.3 million at March 31, 2011. Total deposits were $744.5 million at March 31, 2012 compared to $716.5 million at March 31, 2011. The Company continues to focus on attracting and retaining customer relationship deposits.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In response to the adverse economic conditions, the Company has been, and will continue to work toward reducing the amount of nonperforming assets, controlling balance sheet growth, reducing controllable operating costs, and augmenting deposits while striving to maximize secured borrowing facilities to improve liquidity and preserve capital over the coming fiscal year.&#160;&#160;However, the Company&#8217;s inability to successfully implement its plans or further deterioration in economic conditions and real estate prices could have a material adverse effect on the Company&#8217;s liquidity.&#160;&#160;The Company is enrolled in an internet deposit listing service. Under this listing service, the Company may post time deposit rates on an internet site where institutional investors have the ability to deposit funds with the Company. The Company uses this listing service as an additional source of funding and to further diversify its funding sources. These deposits carry a lower interest rate than the Company core branch deposits. As of March 31, 2012, the Company had deposits totaling $21.9 million through this listing service.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Liquidity management is both a short- and long-term responsibility of the Company's management.&#160;&#160;The Company adjusts its investments in liquid assets based upon management's assessment of (i) expected loan demand, (ii) projected loan sales, (iii) expected deposit flows, (iv) yields available on interest-bearing deposits and (v) its asset/liability management program objectives.&#160;&#160;Excess liquidity is invested generally in interest-bearing overnight deposits and other short-term government and agency obligations.&#160;&#160;If the Company requires funds beyond its ability to generate them internally, it has additional diversified and reliable sources of funds with the FHLB, the FRB, and other wholesale facilities. These sources of funds may be used on a long or short-term basis to compensate for reduction in other sources of funds or on a long-term basis to support lending activities. Beginning in the first quarter of fiscal 2011, the Company elected to defer regularly scheduled interest payments on its outstanding $22.7 million aggregate principal amount of junior subordinated debentures issued in connection with the sale of trust preferred securities through statutory business trusts. The Company continued with the interest deferral at March 31, 2012. As of March 31, 2012, the Company had deferred a total of $2.6 million of interest payments. The accrual for these payments is included in accrued expenses and other liabilities on the Consolidated Balance Sheets and interest expense on the Consolidated Statements of Operations. This deferral may adversely affect our ability to access wholesale funding facilities or obtain other debt financing on commercially reasonable terms, or at all. For more information concerning limitations on our ability to incur additional debt and the risks related to our recent deferral of interest on our trust preferred securities, see Item 1A. &#8220;Risk Factors &#8211; We are required to comply with the terms of an agreement with the OCC and a memorandum of understanding with the Federal Reserve and lack of compliance could result in monetary penalties and /or additional regulatory actions.&#8221; and &#8220;--We have deferred payments of interest on our outstanding junior subordinated </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">debentures and as a result we are prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock.&#8221;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company's primary source of funds is customer deposits, proceeds from principal and interest payments on loans, the sale of loans, maturing securities, FHLB advances and FRB borrowings. While maturities and scheduled amortization of loans and securities are a predictable source of funds, deposit flows and prepayment of mortgage loans and mortgage-backed securities are greatly influenced by general interest rates, economic conditions and competition. Management believes that its focus on core relationship deposits coupled with access to borrowing through reliable counterparties provides reasonable and prudent assurance that ample liquidity is available. However, depositor or counterparty behavior could change in response to competition, economic or market situations or other unforeseen circumstances, which could have liquidity implications that may require different strategic or operational actions.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company must maintain an adequate level of liquidity to ensure the availability of sufficient funds in order to fund loan originations and deposit withdrawals, satisfy other financial commitments and to take advantage of investment opportunities. We generally maintain cash and readily marketable securities to meet a portion of our short-term liquidity needs; however, our primary liquidity management practice is to increase or decrease short-term borrowings, including FHLB advances and FRB borrowings.&#160;&#160;At March 31, 2012, there were no advances outstanding from FHLB. The Bank had additional borrowing capacity available of $215.9 million from the FHLB, subject to sufficient collateral and stock investment.&#160;&#160;At March 31, 2012, there were no outstanding borrowings from the FRB. The Bank had additional borrowing capacity of $106.5 million from the FRB, subject to sufficient collateral. At March 31, 2012, the Bank had sufficient unpledged collateral to allow it to utilize its available borrowing capacity from the FRB and FHLB. Borrowing capacity from FHLB or FRB may fluctuate based on acceptability and risk rating of loan collateral and counterparties could adjust discount rates applied to such collateral at their discretion.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">An additional source of wholesale funding includes brokered certificate of deposits.&#160;&#160;The Company has historically not relied on brokered deposits to fund its operations. At March 31, 2012 and 2011, the Company had no brokered deposits, exclusive of CDARS and ICS deposits. The Bank participates in the CDARS and ICS products, which allow the Bank to accept deposits in excess of the FDIC insurance limits for that depositor and obtain &#8220;pass-through&#8221; insurance for the total deposit. The Bank&#8217;s CDARS and ICS balances were $37.2 million, or 5.0% of total deposits, and $36.6 or 5.1% of total deposits, at March 31, 2012 and March 31, 2011, respectively.&#160;&#160;With news of bank failures and increased levels of distress in the financial services industry and customer concern with FDIC insurance limits, customer interest in and demand for CDARS deposits has remained strong with continued renewals of existing CDARS deposits and the opening of new accounts. The Bank&#8217;s brokered deposits (which includes CDARS and ICS) are restricted to 20% of total deposits based on a supervisory imposed limit. The combination of all the Bank&#8217;s funding sources, gives the Bank available liquidity of $513.6 million, or 60.0% of total assets at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank's deposits are insured up to applicable limits by the Deposit Insurance Fund of the FDIC. On July 21, 2010, the FDIC deposit insurance coverage was permanently raised to $250,000. Under the Dodd-Frank Act, beginning on January 1, 2011, all non-interest bearing transaction accounts and IOLTA accounts qualify for unlimited deposit insurance by the FDIC through December 31, 2012.&#160;&#160;NOW accounts, which were previously fully insured under the Transaction Account Guarantee Program, are no longer eligible for an unlimited guarantee due to the expiration of this program on December 31, 2010.&#160;&#160;NOW accounts, along with all other deposits maintained at the Bank are now insured by the FDIC up to $250,000 per account owner.&#160;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">2012</font>, the Company had commitments to extend credit of $22.5 million, unused lines of credit totaling $55.4 million and undisbursed construction loans totaling $7.1 million. The Company anticipates that it will have sufficient funds available to meet current loan commitments. Certificates of deposit that are scheduled to mature in less than one year from March 31, 2012 totaled $167.7 million.&#160;&#160;Historically, the Company has been able to retain a significant amount of its deposits as they mature. Offsetting these cash outflows are scheduled loan maturities of less than one year totaling $125.1 million at March 31, 2012.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Sources of capital and liquidity for the Company include distributions from the Bank and the issuance of debt or equity securities. Dividends and other capital distributions from the Bank are subject to regulatory restrictions and approval. The Company elected to defer regularly scheduled interest payments on its Debentures for the year ended March 31, 2012, which in turn, restricts the Company&#8217;s ability to pay dividends on its common stock. See Item 1A. &#8220;Risk Factors &#8211; We are required to comply with the terms of an agreement with the OCC and a memorandum of understanding with the Federal Reserve and lack of compliance could result in monetary penalties and /or additional regulatory actions.&#8221; and &#8220;--We have deferred </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">payments of interest on our outstanding junior subordinated debentures and as a result we are prohibited from declaring or paying dividends or distributions on, and from making liquidation payments with respect to, our common stock.&#8221;</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">OCC regulations require the Bank to maintain specific amounts of regulatory capital.&#160;&#160;For a detailed discussion of regulatory capital requirements, see "Item 1. Business-&#8220; Regulation -- Federal Regulation of Savings Associations -- Capital Requirements" and Note 15 of the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Effect of Inflation and Changing Prices</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Consolidated Financial Statements and related financial data presented herein have been prepared in accordance with GAAP, which require the measurement of financial position and operating results in terms of historical dollars without considering the change in the relative purchasing power of money over time due to inflation.&#160;&#160;The primary impact of inflation is reflected in the increased cost of the Company's operations. Unlike most industrial companies, virtually all the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates generally have a more significant impact on a financial institution's performance than do general levels of inflation.&#160;&#160;Interest rates do not necessarily move in the same direction or to the same extent as the prices of goods and services.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For a discussion of new accounting pronouncement and their impact on the Company, see Note 1 of the Notes to the Consolidated Financial Statements included in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table shows the contractual obligations by expected period. Further discussion of these commitments is included in Note 19 of the Notes to the Consolidated Financial Statements included in Item 8 of this Form 10-K.</font></div>

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<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">2012</font>, scheduled maturities of certificates of deposit, FRB borrowings, FHLB advances, future operating minimum lease commitments, capital lease obligations and subordinated debentures were as follows (in thousands):</font></div>

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<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">167,697</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47,346</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,068</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,898</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">230,009</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Operating leases</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,767</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,242</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,164</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,790</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,963</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Capital leases</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">74</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">164</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,086</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,513</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Junior subordinates debentures</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="26%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total other contractual obligations</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">169,538</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">50,752</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,421</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,455</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">268,166</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is party to litigation arising in the ordinary course of business.&#160;&#160;In the opinion of management, these actions will not have a material adverse effect, if any, on the Company&#8217;s financial position, results of operations, or liquidity.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank has entered into employment contracts with certain key employees, which provide for contingent payment subject to future events.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">67</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Off-Balance Sheet Arrangements</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is a 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 generally include commitments to originate mortgage, commercial and consumer loans. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company&#8217;s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. Commitments to originate loans are conditional, and are honored for up to 45 days subject to the Company&#8217;s usual terms and conditions. Collateral is not required to support commitments.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the Company had commercial loan commitments of $5.5 million, undisbursed commercial lines of credit of $35.5 million. Commercial real estate mortgage loan commitments totaled $14.2 million and the undisbursed balance of commercial real estate mortgage loans was $887,000 at March 31, 2012. At March 31, 2012, construction loan commitments totaled $548,000 and unused construction lines of credit totaled $7.1 million at March 31, 2012. Real estate one-to-four family loan commitments totaled $2.2 million and unused lines of credit secured by real estate one-to-four family loans totaled $18.0 million at March 31, 2012. Other installment loan commitments totaled $36,000 and unused lines of credit on other installment loans totaled $907,000 at March 31, 2012. For additional information regarding future financial commitments, this discussion and analysis should be read in conjunction with Note 19 of the Notes to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 7A. Quantitative and Qualitative Disclosures About Market Risk</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Quantitative Aspects of Market Risk.</font>&#160;&#160;The Company does not maintain a trading account for any class of financial instrument nor does it engage in hedging activities or purchase high-risk derivative instruments.&#160;&#160;Furthermore, the Company is not subject to foreign currency exchange rate risk or commodity price risk.&#160;&#160;For information regarding the sensitivity to interest rate risk of the Company's interest-earning assets and interest-bearing liabilities, see the tables under Item 1.&#160;&#160;&#8220;Business -- Lending Activities,&#8221;&#160;&#160;&#8220;-- Investment Activities&#8221; and &#8220;-- Deposit Activities and Other Sources of Funds&#8221; contained herein.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Qualitative Aspects of Market Risk.</font>&#160;&#160;The Company's principal financial objective is to achieve long-term profitability while limiting its exposure to fluctuating market interest rates.&#160;&#160;The Company intends to reduce risk where appropriate but accepts a degree of risk when warranted by economic circumstances.&#160;&#160;The Company has sought to reduce the exposure of its earnings to changes in market interest rates by attempting to manage the mismatch between asset and liability maturities and interest rates.&#160;&#160;The principal element in achieving this objective is to increase the interest rate sensitivity of the Company's interest-earning assets by retaining<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman"> in its </font>portfolio, short&#8211;term loans and loans with interest rates subject to periodic adjustments.&#160;&#160;The Company relies on retail deposits as its primary source of funds.&#160;&#160;As part of its interest rate risk management strategy, the Company promotes transaction accounts and certificates of deposit with terms up to ten years.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consumer and commercial loans are originated and held in portfolio as the short term nature of these portfolio loans match durations more closely with the short term nature of retail deposits such as interest checking, money market accounts and savings accounts. The Company relies on retail deposits as its primary source of funds. Management believes retail deposits reduce the effects of interest rate fluctuations because they generally represent a more stable source of funds. As part of its interest rate risk management strategy, the Company promotes transaction accounts and certificates of deposit with longer terms to maturity. Except for immediate short-term cash needs, and depending on the current interest rate environment, FHLB advances will have maturities of long or short term. FRB borrowings have short term maturities. For additional information, see Item 7. &#8220;Management's Discussion and Analysis of Financial Condition and Results of Operations" contained herein.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A number of measures are utilized to monitor and manage interest rate risk, including simulation modeling and traditional interest rate gap analysis. While both methods provide an indication of risk for a given change in interest rates, the simulation model is primarily used to assess the impact on earning changes in interest rates may produce. Key assumptions in the model include cash flows and maturities of financial instruments, changes in market conditions, loan volumes and pricing, deposit sensitivity, consumer preferences and management&#8217;s capital leverage plans. These assumptions are inherently uncertain; therefore, the model cannot precisely estimate net interest income or precisely predict the impact of higher or lower interest rates on net interest income. Actual results may significantly differ from simulated results due to timing, magnitude and frequency of interest rate changes and changes in market conditions and specific strategies among other factors.</font></div>

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</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">68</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables show the approximate percentage change in net interest income as of March 31, 2012 over a 24-month period under several rate scenarios.</font></div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="14%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Change in interest rates</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Percent change in net </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">interest income (12 months)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Percent change in net </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">interest income (24 months)</font></div>
</td>
</tr><tr>
<td valign="top" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Up 300 basis points</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8.8)%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5.8)%</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Up 200 basis points</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4.9)%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(10.7)%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Base case</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5.4)%</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Down 100 basis points</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.5%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6.6)%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Our balance sheet continues to be slightly asset sensitive, meaning that interest-earning assets reprice faster than interest-bearing liabilities in a given period.&#160;&#160;However, due to a number of loans in our loan portfolio with interest rate floors, our net interest income will be negatively impacted in a rising interest rate environment until such time as the current rate exceeds these interest rate floors.&#160;&#160;Conversely, in a falling interest rate environment these interest rate floors will assist in maintaining our net interest income.&#160;&#160;We attempt to limit our interest rate risk through managing the repricing characteristics of our assets and liabilities.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As with any method of measuring interest rate risk, certain shortcomings are inherent in the method of analysis presented in the foregoing table.&#160;&#160;For example, although certain assets and liabilities may have similar maturities or periods of repricing, they may react in different degrees to changes in market interest rates.&#160;&#160;Also, the interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while interest rates on other types may lag behind changes in market rates.&#160;&#160;Additionally, certain assets, such as ARM loans, have features that restrict changes in interest rates on a short-term basis and over the life of the asset.&#160;&#160;Furthermore, in the event of a change in interest rates, expected rates of prepayments on loans and early withdrawals from certificates could deviate significantly from those assumed in calculating the table.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table shows the Company's financial instruments that are sensitive to changes in interest rates, categorized by expected maturity, and the instruments' fair values at March 31, 2012.&#160;&#160;Market risk sensitive instruments are generally defined as on- and off-balance sheet derivatives and other financial instruments.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Within</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1 Year</font></div>
</td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">After</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1 - 3</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">After</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3 - 5</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">After</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5 - 10</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Beyond</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest-Sensitive Assets:</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="18" valign="bottom" width="52%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.46</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">125,139</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">115,554</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68,169</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">255,412</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120,535</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">684,809</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.38</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,047</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">98</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,145</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investments and other</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">interest-earning assets</font></div>
</td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.78</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,448</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20,400</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,229</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">147</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81,717</font></div>
</td>
<td valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLB stock</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,470</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,940</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,940</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total assets</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">183,104</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">138,992</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76,338</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">255,905</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120,682</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">775,021</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest-Sensitive Liabilities:</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest checking</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.23</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,380</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,762</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,762</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106,904</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Savings accounts</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.25</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,147</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,297</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,297</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,741</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market accounts</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.34</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48,983</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">97,968</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">97,968</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">244,919</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificate accounts</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.99</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">167,697</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">47,346</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,068</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,898</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">230,009</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLB advances</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FRB borrowings</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Subordinated debentures</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.38</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Obligations under capital lease</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.16</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">74</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">164</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">189</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">609</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,477</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,513</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total liabilities</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">247,281</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">206,537</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">165,284</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,507</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,158</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">652,767</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest sensitivity gap</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(64,177</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td colspan="2" valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(67,545</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(88,946</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">246,398</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">96,524</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">122,254</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cumulative interest sensitivity gap</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(64,177</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" colspan="2" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(131,722</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(220,668</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,730</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
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<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">122,254</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td align="left" valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Off-Balance Sheet Items:</font></div>
</td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commitments to extend credit</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,514</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
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<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
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</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
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</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
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</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,514</font></div>
</td>
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</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unused lines of credit</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,547</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="2%">
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<td align="left" valign="bottom" width="1%">
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
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<td align="left" valign="bottom" width="1%">
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<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
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<td align="left" valign="bottom" width="1%">
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
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<td align="left" valign="bottom" width="1%">
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<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62,547</font></div>
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</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">69</font></div>

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<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 8.&#160;&#160;&#160;Financial Statements and Supplementary Data</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 12pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Consolidated Financial Statements for the Years Ended March 31, 2012, 2011 and 2010</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Report of Independent Registered Public Accounting Firm</font></div>

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<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="middle" width="75%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">TABLE OF CONTENTS</font></div>
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<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Page</font></div>
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<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Report of Independent Registered Public Accounting Firm &#8211; Deloitte &amp; Touche LLP</font></div>
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<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">71</font></div>
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</tr><tr>
<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consolidated Balance Sheets as of March 31, 2012 and 2011</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">72</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consolidated Statements of Operations for the Years Ended March 31, 2012, 2011 and 2010</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consolidated Statements of Comprehensive Income (Loss) for the Years Ended March 31, 2012, 2011 and 2010</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">74</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consolidated Statements of Equity for the Years Ended March 31, 2012, 2011 and 2010</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consolidated Statements of Cash Flows for the Years Ended March 31, 2012, 2011 and 2010</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="75%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Notes to Consolidated Financial Statements</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">77</font></div>
</td>
</tr><tr>
<td valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="75%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
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<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">70</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">To the Board of Directors and Shareholders of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Riverview Bancorp, Inc.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Vancouver, Washington</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We have audited the accompanying consolidated balance sheets of Riverview Bancorp, Inc. and subsidiary (the "Company") as of March 31, 2012 and 2011, and the related consolidated statements of operations, comprehensive income (loss), equity, and cash flows for each of the three years in the period ended March 31, 2012.<font style="DISPLAY: inline; FONT-WEIGHT: bold">&#160;</font>These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; 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. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes 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, as well as evaluating the overall financial statement presentation.&#160;&#160;We believe that our audits provide a reasonable basis for our opinion.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In our opinion, such consolidated financial statements present fairly, in all material respects, the financial position of Riverview Bancorp, Inc. and subsidiary as of March 31, 2012 and 2011, and the results of their operations and their cash flows for each of the three years in the period ended March 31, 2012, in conformity with accounting principles generally accepted in the United States of America.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">/s/ Deloitte &amp; Touche LLP</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Portland, Oregon</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">June 15, 2012</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">71</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CONSOLIDATED BALANCE SHEETS</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">MARCH 31, 2012 AND 2011</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;(In thousands, except share and per share data)</font></div>
</td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td nowrap valign="bottom" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.4pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ASSETS</font></div>
</td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and cash equivalents (including interest-earning accounts of $33,437 and $37,349)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,393</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit held for investment</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,473</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,900</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans held for sale</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">480</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">173</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities held to maturity, at amortized cost</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(fair value of $542 and $556)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">506</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for sale, at fair value</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(amortized cost of $8,123 and $8,514)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,314</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,320</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities held to maturity, at amortized</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">cost (fair value of $177 and $199)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">171</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities available for sale, at fair value</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(amortized cost of $940 and $1,729)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,777</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable (net of allowance for loan losses of $19,921 and $14,968)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,888</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">672,609</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate owned</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,731</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,590</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Prepaid expenses and other assets</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,362</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,887</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest receivable</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,158</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,523</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Home Loan Bank stock, at cost</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Premises and equipment, net</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,068</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,100</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deferred income taxes, net</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">603</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,447</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage servicing rights, net</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">278</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">396</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Goodwill</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,572</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,572</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Core deposit intangible, net</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">219</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bank owned life insurance</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,553</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,952</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL ASSETS</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">855,998</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">859,263</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">LIABILITIES AND EQUITY</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="76%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">LIABILITIES:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deposit accounts</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">744,455</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">716,530</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued expenses and other liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,398</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,396</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Advanced payments by borrowers for taxes and insurance</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">800</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">680</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Junior subordinated debentures</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Capital lease obligations</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,513</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,567</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">779,847</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">751,854</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">COMMITMENTS AND CONTINGENCIES (See Note 19)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">EQUITY:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Shareholders&#8217; equity</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Serial preferred stock, $.01 par value; 250,000 authorized, issued and outstanding: none</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Common stock, $.01 par value; 50,000,000 authorized</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2012 &#8211; 22,471,890 issued and outstanding</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">225</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">March 31, 2011 &#8211; 22,471,890 issued and outstanding</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Additional paid-in capital</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,610</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,639</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Retained earnings</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,536</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,193</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unearned shares issued to employee stock ownership trust</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(593 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(696 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accumulated other comprehensive loss</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,171 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,417 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total shareholders&#8217; equity</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,607</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106,944</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="76%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Noncontrolling interest</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">544</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">465</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76,151</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">107,409</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -36pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL LIABILITIES AND EQUITY</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">855,998</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">859,263</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-SIZE: 10pt">&#160;&#160;See notes to consolidated financial statements</font>.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -7.2pt" align="left">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">72</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CONSOLIDATED STATEMENTS OF OPERATIONS</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">YEARS ENDED MARCH 31, 2012, 2011 AND 2010</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="34%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Dollars in thousands, except share data)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INTEREST AND DIVIDEND INCOME:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest and fees on loans receivable</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,894</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,697</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,675</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on investment securities &#8211; taxable</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">145</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">164</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">267</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on investment securities &#8211; non taxable</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">104</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">88</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">136</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other interest and dividends</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">400</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">210</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">80</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest and dividend income</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">39,532</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">43,214</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,262</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INTEREST EXPENSE:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on deposits</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,357</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,569</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,635</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on borrowings</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,508</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,483</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,741</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total interest expense</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,865</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,052</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,376</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,667</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,162</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,886</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less provision for loan losses</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,075</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,900</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income after provision for loan losses</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,317</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">30,087</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,986</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NON-INTEREST INCOME:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fees and service charges</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,996</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,047</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,513</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Asset management fees</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,367</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,079</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,885</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net gain on sale of loans held for sale</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">160</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">393</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">887</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impairment on investment security</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,003</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bank owned life insurance</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">601</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">601</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">603</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(297</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">769</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">381</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total non-interest income</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,827</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,889</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,266</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NON-INTEREST EXPENSE:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Salaries and employee benefits</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,889</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,716</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,326</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Occupancy and depreciation</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,793</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,677</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,814</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Data processing</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,421</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,067</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">957</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Amortization of core deposit intangible</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">82</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">96</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">111</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Advertising and marketing expense</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">998</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">749</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">627</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FDIC insurance premium</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,136</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,640</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,912</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">State and local taxes</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">549</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">638</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">732</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Telecommunications</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">434</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">428</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">440</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Professional fees</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,254</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,310</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,317</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate owned expenses</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,097</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,817</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,421</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,770</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,358</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,316</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total non-interest expense</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,423</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31,496</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,973</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INCOME (LOSS) BEFORE INCOME TAXES</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(23,279</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,480</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8,721</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">PROVISION (BENEFIT) FOR INCOME TAXES</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,378</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,165</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,277</font></div>
</td>
<td align="right" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INCOME (LOSS)</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></div>
</td>
<td align="right" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="34%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Earnings (loss) per common share:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Basic</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1.42</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.51</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Diluted</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1.42</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.51</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average number of shares outstanding:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Basic</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,317,933</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,341,191</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,720,525</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="34%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Diluted</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,317,933</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,341,308</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,720,525</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -7.2pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 10pt">See notes to consolidated financial statements.</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -7.2pt" align="left">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">73</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div>
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)</font></div>

<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">YEARS ENDED MARCH 31, 2012, 2011 AND 2010</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Dollars in thousands, except share data)</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income (loss)</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other comprehensive income (loss):</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unrealized holding gain (loss) on securities, net</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">246</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(215</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(132</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Reclassification adjustment for loss included in net loss, net</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">662</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Noncontrolling interest</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">56</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total comprehensive income (loss)</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,332</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,145</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,858</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 5.75pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: -7.2pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">See notes to consolidated financial statements.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

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</div>

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</div>

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</div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">74</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
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<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">CONSOLIDATED STATEMENTS OF EQUITY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">YEARS ENDED MARCH 31, 2012, 2011 AND 2010</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" rowspan="2" valign="bottom" width="36%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(In thousands, except share data)</font></div>
</td>
<td colspan="5" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Common Stock</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td rowspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Additional Paid-In </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Capital</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td rowspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Retained</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Earnings</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td rowspan="2" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Unearned</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Shares</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Issued to</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Employee</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Stock Ownership</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Trust</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td rowspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Accumulated</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Other</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Comprehensive</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Loss</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td rowspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Noncontrolling Interest</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td rowspan="2" valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Shares</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Balance April 1, 2009</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">10,923,773</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">109</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">46,866</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">44,322</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(902</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(1,732</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">364</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">89,027</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Net loss</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(5,444</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(5,444</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Stock option expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">112</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">112</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Earned ESOP shares</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(30</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">103</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">73</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" colspan="2" valign="bottom" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Unrealized holding gain on securities of $132 </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(net of $14 tax effect) less reclassification </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">adjustment for net losses included in net loss of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$662 (net of $341 tax effect)</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">530</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">530</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Noncontrolling interest</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">56</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">56</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Balance March 31, 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">10,923,773</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">109</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">46,948</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">38,878</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(799</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(1,202</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">420</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">84,354</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Issuance of common stock, net</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">11,548,117</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">116</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">18,653</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">18,769</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Net income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">4,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">4,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Stock option expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">77</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">77</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Earned ESOP shares</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(39</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">103</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">64</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Other comprehensive income (loss):</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Unrealized holding loss on securities of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-SIZE: 9pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$215 </font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(net of $109 tax effect)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(215</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(215</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Noncontrolling interest</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">45</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">45</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Balance March 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">22,471,890</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">225</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">65,639</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">43,193</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(696</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(1,417</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">465</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">107,409</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Net loss</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(31,657</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(31,657</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Stock option expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">12</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">12</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Earned ESOP shares</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(41</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">103</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">62</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Unrealized holding gain on securities of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-SIZE: 9pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$246 </font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(net of $126 tax effect)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">246</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">246</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Noncontrolling interest</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">79</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="4%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">79</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="4%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">Balance March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">22,471,890</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">225</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">65,610</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">11,536</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(593</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">(1,171</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">544</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">$</font></div>
</td>
<td align="right" valign="bottom" width="4%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 9pt">76,151</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">See notes to consolidated financial statements.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">75</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: -9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: -9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: -9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; CONSOLIDATED STATEMENTS OF CASH FLOWS&#160; </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: -9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;YEARS ENDED MARCH 31, 2012, 2011 AND 2010</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="44%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(In thousands)</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH FLOWS FROM OPERATING ACTIVITIES:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income (loss)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Adjustments to reconcile net income (loss) to cash provided by operating activities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Depreciation and amortization</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,013</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,927</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,225</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage servicing rights valuation adjustment</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,075</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,900</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision (benefit) for deferred income taxes</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,536</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,841</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,295</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Noncash expense related to ESOP</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">64</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase (decrease) in deferred loan origination fees, net of amortization</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(76</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">57</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Origination of loans held for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,916</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(12,166</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(29,514</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from sales of loans held for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,682</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,402</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">30,851</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock based compensation</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">77</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Writedown of real estate owned</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,238</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">924</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,794</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loss on impairment of security</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,003</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net loss (gain) on loans held for sale, sale of real estate owned, mortgage-backed</font></div>

<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities, sale of investment securities and premises and equipment</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">400</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(775</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(6</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income from bank owned life insurance</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(601</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(601</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(603</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Changes in assets and liabilities:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Prepaid expenses and other assets</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(627</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,904</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,567</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued interest receivable</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">365</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">326</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">205</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued expenses and other liabilities</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">222</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,763</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(831</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 45pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by operating activities</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,002</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,132</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,874</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="44%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH FLOWS FROM INVESTING ACTIVITIES:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loan repayments (originations), net</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(26,482</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,213</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,729</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from call, maturity, or sale of investment securities available for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,990</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,150</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal repayments on investment securities available for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">392</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">203</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">375</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Purchase of investment securities available for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,000</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(10,000</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,988</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal repayments on mortgage-backed securities available for sale</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">789</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,017</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,244</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal repayments on mortgage-backed securities held to maturity</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">311</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal repayments on investment securities held to maturity</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Purchase of premises and equipment and capitalized software</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,578</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,310</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(475</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Purchase of certificates of deposit held for investment, net</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(26,573</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(14,900</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Capital expenditures on real estate owned</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(207</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(49</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(47</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from sale of real estate owned and premises and equipment</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,275</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,328</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,044</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 45pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by (used in) investing activities</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(45,352</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,572</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">56,355</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="44%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH FLOWS FROM FINANCING ACTIVITIES:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net change in deposit accounts</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,925</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">28,482</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,982</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from issuance of common stock, net</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,769</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from borrowings</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,000</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">124,450</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">922,600</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Repayment of borrowings</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,000</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(157,450</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,012,450</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal payments under capital lease obligation</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(54</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(43</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(40</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net increase in advance payments by borrowers</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">120</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">253</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">67</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 45pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by (used in) financing activities</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,991</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,461</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(71,841</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="44%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,359</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,165</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,612</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,587</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,199</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH AND CASH EQUIVALENTS, END OF YEAR</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,393</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,587</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">SUPPLEMENTAL DISCLOSURES:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash paid during the year for:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,400</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,688</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,343</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income taxes</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">830</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">387</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,320</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NONCASH INVESTING AND FINANCING ACTIVITIES:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Transfer of loans to real estate owned</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,843</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,772</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,597</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="44%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Transfer of real estate owned to loans</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,859</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,724</font></div>
</td>
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<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fair value adjustment to securities available for sale</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

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<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">76</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
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<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. AND SUBSIDIARY</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">NOTES TO CONSOLIDATED FINANCIAL STATEMENTS</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-SIZE: 10pt; TEXT-DECORATION: underline">YEARS ENDED MARCH 31, 2012, 2011 and 2010</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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></div>

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<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.&#160;&#160;</font></div>
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<td width="1532">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Principles of Consolidation</font> &#8211; The accompanying consolidated financial statements include the accounts of Riverview Bancorp, Inc. (the &#8220;Company&#8221;); its wholly-owned subsidiary, Riverview Community Bank (the &#8220;Bank&#8221;); the Bank&#8217;s wholly-owned subsidiary, Riverview Services, Inc.; and the Bank&#8217;s majority owned subsidiary, Riverview Asset Management Corp. (&#8220;RAMCorp&#8221;). All inter-company transactions and balances have been eliminated in consolidation.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has also established two subsidiary grantor trusts in connection with the issuance of trust preferred securities (see Note 11). In accordance with accounting standards, the accounts and transactions of the trusts are not included in the accompanying consolidated financial statements.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Nature of Operations</font> &#8211; The Bank is a seventeen branch community-oriented financial institution operating in rural and suburban communities in southwest Washington State and Multnomah and Marion counties of Oregon. The Bank is engaged primarily in the business of attracting deposits from the general public and using such funds, together with other borrowings, to invest in various commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and consumer loans.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Use of Estimates in the Preparation of Financial Statements</font> &#8211; The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (&#8220;generally accepted accounting principles&#8221; or &#8220;GAAP&#8221;), requires management to make estimates and assumptions that affect the reported amounts of certain assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of related revenue and expense during the reporting period. Actual results could differ from those estimates.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Cash and Cash Equivalents</font> &#8211; Cash and cash equivalents include amounts on hand, due from banks and interest-earning deposits in other banks. Cash and cash equivalents have a maturity of 90 days or less at the time of purchase.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Certificates of Deposit Held for Investment </font>&#8211; Certificates of deposit held for investments include amounts invested with financial institutions for a stated interest rate and maturity date. Early withdraw penalties apply, however the Company plans to hold these investments to maturity.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Loans Held for Sale</font> &#8211; The Company identifies loans held for sale at the time of origination and such loans are carried at the lower of aggregate cost or net realizable value. Market values are derived from available market quotations for comparable pools of mortgage loans. Adjustments for unrealized losses, if any, are charged to income.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Gains or losses on sales of loans held for sale are recognized at the time of sale and are determined by the difference between the net sales proceeds and the allocated basis of these loans sold. The Company capitalizes mortgage servicing rights (&#8220;MSRs&#8221;) acquired through either the purchase of MSRs, the sale of originated mortgage loans or the securitization of mortgage loans with servicing rights retained. Upon sale of mortgage loans held for sale, the total cost of the loans designated for sale is allocated to mortgage loans with and without MSRs based on their relative fair values. The MSRs are included as a component of gain on sale of loans. The MSRs are amortized in proportion to and over the estimated period of the net servicing income, such amortization is reflected as a component of loan servicing income.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Securities </font>&#8211; Investment securities are classified as held to maturity when the Company has the ability and positive intent to hold such securities to maturity. Investment securities held to maturity are carried at amortized cost. Unrealized losses due to fluctuations in fair value are recognized when it is determined that a credit related other than temporary decline in value has occurred. Investment securities bought and held principally for the purpose of sale in the near term are classified as trading securities. Securities that the Company intends to hold for an indefinite period, but not necessarily to maturity are classified as available for sale. Such securities may be sold to implement the Company&#8217;s asset/liability management strategies and in response to changes in interest rates and similar factors.&#160;&#160;Securities available for sale are reported at fair value. Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in a separate component of shareholders&#8217; equity entitled &#8220;accumulated other comprehensive income (loss).&#8221; Realized gains and losses on securities available for sale, determined using the specific identification method, are included in earnings.&#160;&#160;Amortization of premiums and accretion of discounts are recognized in interest income over the period to maturity or expected call, if sooner.</font></div>

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<div id="FTR">
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<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">77</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company analyzes investment securities for other than temporary impairment (&#8220;OTTI&#8221;) on a quarterly basis.&#160;&#160;OTTI is separated into a credit and noncredit component.&#160;&#160;Noncredit component losses are recorded in other comprehensive income (loss) when the Company a) does not intend to sell the security or b) is not more likely than not to have to sell the security prior to the security&#8217;s anticipated recovery.&#160;&#160;Credit component losses are reported in non-interest income.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Loans</font> &#8211; Loans are stated at the amount of unpaid principal, reduced by deferred loan origination fees and an allowance for loan losses. Interest on loans is accrued daily based on the principal amount outstanding.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loans are reviewed regularly and it is the Company&#8217;s general policy that a loan is past due when it is 30 days to 89 days delinquent. In general, when a loan is 90 days delinquent or when collection of principal or interest appears doubtful, it is placed on non-accrual status, at which time the accrual of interest ceases and a reserve for unrecoverable accrued interest is established and charged against operations. Payments received on non-accrual loans are applied to reduce the outstanding principal balance on a cash-basis method. As a general practice, a loan is not removed from non-accrual status until all delinquent principal, interest and late fees have been brought current and the borrower has demonstrated a history of performance based upon the contractual terms of the note.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized as an adjustment of the yield of the related loan.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Allowance for Loan Losses</font> &#8211; The allowance for loan losses is maintained at a level sufficient to provide for probable loan losses based on evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon management&#8217;s ongoing quarterly assessment of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions, and detailed analysis of individual loans for which full collectibility may not be assured.&#160;&#160;The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are considered impaired. For such loans that are classified as impaired, an allowance is established when the net realizable value of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management&#8217;s estimate of probable losses. Such factors include uncertainties in economic conditions, uncertainties in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions.&#160;&#160;The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriate allowance level is estimated based upon factors and trends identified by management at the time the consolidated financial statements are prepared.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A loan is considered impaired when it is probable that a creditor will be unable to collect all amounts (principal and interest) due according to the contractual terms of the loan agreement. Typically, factors used in determining if a loan is impaired are, but not limited to, loans 90 days or more delinquent, loans internally designated as substandard, loans that are on non-accrual status or trouble debt restructures. The majority of the Company&#8217;s impaired loans are considered collateral dependent. When a loan is considered collateral dependent impairment is measured using the estimated value of the underlying collateral, less any prior liens, and when applicable, less estimated selling costs. For impaired loans that are not collateral dependent impairment is measured using the present value of expected future cash flows, discounted at the loan&#8217;s original effective interest rate. When the net realizable value of the impaired loan is less than the recorded investment in the loan (including accrued interest, net deferred loan fees or costs, and unamortized premium or discount), an impairment is recognized by adjusting an allocation of the allowance for loan losses. Subsequent to the initial allocation of allowance to the individual loan the Company may conclude that it is appropriate to record a charge-off of the impaired portion of the loan. When a charge-off is recorded the loan balance is reduced and the specific allowance is eliminated. Generally, when a collateral dependent loan is initially measured for impairment and does not have an appraisal performed in the last three months, the Company obtains an updated market valuation. Subsequently, </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">the Company obtains an updated market valuation on an annual basis. The valuation may occur more frequently if the Company determines that there is an indication that the market value may have declined.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In accordance with the Company&#8217;s policy guidelines, unsecured loans are generally charged-off when no payments have been received for three consecutive months unless an alternative action plan is in effect. Consumer installment loans delinquent six months or more that have not received at least 75% of their required monthly payment in the last 90 days are charged-off. In addition, loans discharged in bankruptcy proceedings are charged-off. Loans under bankruptcy protection with no payments received for four consecutive months will be charged-off. The outstanding balance of a secured loan that is in excess of the net realizable value is generally charged-off if no payments are received for four to five consecutive months. However, charge-offs are postponed if alternative proposals to restructure, obtain additional guarantors, obtain additional assets as collateral or a potential sale would result in full repayment of the outstanding loan balance. Once any of these or other repayment potentials are considered exhausted the impaired portion of the loan is charged-off, unless an updated valuation of the collateral reveals no impairment. Regardless of whether a loan is unsecured or collateralized, once an amount is determined to be a confirmed loan loss it is promptly charged off.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A provision for loan losses is charged against income and is added to the allowance for loan losses based on regular assessments of the loan portfolio. The allowance for loan losses is allocated to certain loan categories based on the relative risk characteristics, asset classifications and actual loss experience of the loan portfolio. While management has allocated the allowance for loan losses to various loan portfolio segments, the allowance is general in nature and is available for the loan portfolio in its entirety.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The ultimate recovery of all loans is susceptible to future market factors beyond the Company&#8217;s control. There can be no assurance that the Company will not be required to make future adjustments to the allowance in response to changing economic conditions, particularly in the Company&#8217;s primary market, since the majority of the Company&#8217;s loans are collateralized by real estate. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company&#8217;s allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Allowance for Unfunded Loan Commitments </font>&#8211; The allowance for unfunded loan commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers, and the terms and expiration dates of the unfunded credit facilities. The allowance for unfunded loan commitments is included in other liabilities on the consolidated balance sheets, with changes to the balance charged against non-interest expense.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Real Estate Owned (&#8220;REO&#8221;)</font> &#8211; REO consists of properties acquired through foreclosure. Specific charge-offs are taken based upon detailed analysis of the fair value of collateral on the underlying loans on which the Company is in the process of foreclosing. Such collateral is transferred into REO at the lower of recorded cost or fair value less estimated costs of disposal. Subsequently, the Company performs an evaluation of the properties and creates a valuation allowance with an offsetting charge to real estate owned expenses for any declines in value. The amounts the Company will ultimately recover from REO may differ from the amounts used in arriving at the net carrying value of these assets because of future market factors beyond the Company&#8217;s control or because of changes in the Company&#8217;s strategy for the sale of the property.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Federal Home Bank Loan Bank Stock</font> &#8211; The Bank, as a member of Federal Home Loan Bank of Seattle (&#8220;FHLB&#8221;), is required to maintain an investment in capital stock of the FHLB in an amount equal to the greater of 1% of its outstanding home loans or 5% of advances from the FHLB. The Company views its investment in FHLB stock as a long-term investment. Accordingly, when evaluating for impairment, the value is determined based on the ultimate redemption of the par value rather than recognizing temporary declines in value. The determination of whether a decline affects the ultimate redemption is influenced by criteria such as: 1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount and length of time a decline has persisted; 2) impact of legislative and regulatory changes on the FHLB and 3) the liquidity position of the FHLB. The FHLB had a deterioration in its financial position and as a result had a risk-based capital deficiency under the regulations of its primary federal regulator. Therefore, the Company evaluated its investment in FHLB stock for OTTI, consistent with its accounting policy. Based on the Company&#8217;s evaluation of the underlying investment, including the long-term nature of the investment, the liquidity position of the FHLB, the actions being taken by the FHLB to address its regulatory situation and the Company&#8217;s intent and ability to hold the investment for a period of time sufficient to be able to redeem its investment at par value, the Company did not recognize an OTTI loss on its FHLB stock. However, this estimate could change in the </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Premises and Equipment</font> &#8211; Premises and equipment are stated at cost less accumulated depreciation. Leasehold improvements are amortized over the term of the lease or the estimated useful life of the improvements, whichever is less. Gains or losses on dispositions are reflected in earnings. Depreciation is generally computed on the straight-line method over the following estimated useful lives: building and improvements &#8211; up to 45 years; furniture and equipment &#8211; three to twenty years; and leasehold improvements &#8211; fifteen to twenty-five years. The cost of maintenance and repairs is charged to expense as incurred.&#160;&#160;Assets are reviewed for impairment when events indicate their carrying value may not be recoverable.&#160;&#160;If management determines impairment exists the asset is reduced by an offsetting charge to expense.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Mortgage Servicing Rights &#8211;</font> Fees earned for servicing loans for the Federal Home Loan Mortgage Corporation (&#8220;FHLMC&#8221;) are reported as income when the related mortgage loan payments are collected. Loan servicing costs are charged to expense as incurred.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MSRs are the rights to service loans. Loan servicing includes collecting payments, remitting funds to investors, insurance companies and tax authorities, collecting delinquent payments, and foreclosing on properties when necessary.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company records its originated MSRs at fair value in accordance with accounting standards, which requires the Company to allocate the total cost of all mortgage loans sold to the MSRs and the loans (without the MSRs) based on their relative fair values if it is practicable to estimate those fair values. The Company stratifies its MSRs based on the predominant characteristics of the underlying financial assets including the coupon interest rate and the contractual maturity of the mortgage. An estimated fair value of MSRs is determined quarterly using a discounted cash flow model.&#160;&#160;The model estimates the present value of the future net cash flows of the servicing portfolio based on various factors, such as servicing costs, servicing income, expected prepayment speeds, discount rate, loan maturity and interest rate. The effect of changes in market interest rates on estimated rates of loan prepayments represents the predominant risk characteristic underlying the MSRs portfolio. The Company is amortizing the MSRs in proportion to and over the period of estimated net servicing income.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">MSRs are reviewed quarterly for impairment based on their fair value. The fair value of the MSRs, for the purposes of impairment, is measured using a discounted cash flow analysis based on market adjusted discount rates, anticipated prepayment speeds, mortgage loan term and coupon rate.&#160;&#160;Market sources are used to determine prepayment speeds, ancillary income, servicing cost and pre-tax required yield.&#160;&#160;Impairment losses are recognized through a valuation allowance for each impaired stratum, with any associated provision recorded as a component of loan servicing income.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Trust Assets</font> &#8211; Assets held by RAMCorp. in a fiduciary or agency capacity for trust customers are not included in the consolidated financial statements because such items are not assets of the Company. Assets totaling $359.6 million and $328.1 million were held in trust as of March 31, 2012 and 2011, respectively.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Stock-Based Compensation </font>&#8211; The Company accounts for stock based compensation in accordance with accounting guidance for stock compensation. The guidance requires measurement of the compensation cost for all stock-based awards based on the grant-date fair value and recognition of compensation cost over the service period of stock-based awards. The fair value of stock options is determined using the Black-Scholes valuation model.</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Employee Stock Ownership Plan (&#8220;ESOP&#8221;) </font>&#8211; The Company sponsors a leveraged ESOP. As shares are released, compensation expense is recorded equal to the then current market price of the shares and the shares become available for earnings per share calculations. The Company records cash dividends on unallocated shares as a reduction of debt and accrued interest.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Business segments</font> &#8211; The Company operates a single business segment. The financial information that is used by the chief operating decision maker in allocating resources and assessing performance is only provided for one reportable segment for years ended March 31, 2012, 2011 and 2010.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">New Accounting Pronouncements</font><font style="DISPLAY: inline; FONT-WEIGHT: bold"> -</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In April 2011, the FASB issued FASB ASU No. 2011-02 regarding a creditor&#8217;s determination of a trouble debt restructure. This guidance will assist creditors in determining whether a creditor has granted a concession and whether a debtor is experiencing financial difficulties for purposes of determining whether a restructuring constitutes a troubled debt restructuring. The guidance is effective for the first interim or annual period beginning on or after June 15, 2011.&#160;&#160;The adoption of this guidance did not have a material impact on the Company&#8217;s financial position and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In May 2011, the FASB issued ASU No. 2011-04 regarding fair value measurement. This guidance amends previous guidance on fair value measurement to achieve common fair value measurement and disclosure requirements in GAAP and International Financial Reporting Standards (&#8220;IFRS&#8221;). The guidance is effective for the first interim or annual period beginning after December 15, 2011.&#160;&#160;The adoption of this guidance did not have a material impact on the Company&#8217;s financial position and results of operations.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify">&#160;</div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">81</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In June 2011, the FASB issued ASU No. 2011-05 regarding the presentation of comprehensive income. This guidance improves the comparability, consistency and transparency of financial reporting and increases the prominence of items reported in other comprehensive income.&#160;&#160;The guidance will facilitate convergence of GAAP and IFRS. The guidance is effective for the annual periods, and interim periods within those years, beginning after December 15, 2011. The adoption of this guidance did not have a material impact on the Company&#8217;s financial position and results of operations.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In September 2011, the FASB issued ASU No. 2011-08 regarding goodwill which will allow an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Under this guidance update, an entity would not be required to calculate the fair value of a reporting unit unless the entity determines, based on a qualitative assessment, that it is more likely than not that its fair value is less than its carrying amount. The update includes a number of events and circumstances for an entity to consider in conducting the qualitative assessment. The guidance is effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before September 15, 2011, if an entity&#8217;s financial statements for the most recent annual or interim period have not yet been issued or, for nonpublic entities, have not yet been made available for issuance. The adoption of this guidance is not expected to have a material impact on the Company&#8217;s financial position and results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In December 2011, the FASB issued ASU No. 2011-12 which temporarily defers the effective date for disclosures related to reclassification adjustments within accumulated other comprehensive income and should continue to report reclassifications out of accumulated other comprehensive income consistent within the presentation requirements in effect before ASU No. 2011-05. The adoption of this accounting standard is not expected to have a material impact on the Company&#8217;s financial position and results of operations.</font></div>

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<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RESTRICTED ASSETS</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Regulations of the Board of Governors of the Federal Reserve System (&#8220;Federal Reserve Board&#8221;) require that the Bank maintain minimum reserve balances either on hand or on deposit with the Federal Reserve Bank of San Francisco (&#8220;FRB&#8221;), based on a percentage of deposits. The amounts of such balances as of March 31, 2012 and 2011 were $802,000 and $773,000, respectively.</font></div>

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<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">INVESTMENT SECURITIES</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The amortized cost and approximate fair value of investment securities held to maturity consisted of the following (in thousands):</font></div>

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<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gains</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal bonds</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
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</td>
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<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">49</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
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<td align="right" valign="bottom" width="6%">
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</td>
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<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">542</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2011</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal bonds</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">506</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">50</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">556</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The contractual maturities of investment securities held to maturity are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due in one year or less</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after one year through five years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after five years through ten years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">542</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after ten years</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">542</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">82</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The amortized cost and approximate fair value of investment securities available for sale consisted of the following (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gains</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,974</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,808</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,000</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal bonds</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">149</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">149</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,123</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,809</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,314</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2011</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,974</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,058</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,000</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(136</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,864</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal bonds</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">540</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">540</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,514</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,194</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,320</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -18pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value of temporarily impaired securities, the amount of unrealized losses and the length of time these unrealized losses existed as of March 31, 2012 are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="top" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less than 12 months</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="top" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;12 months or longer</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="bottom" width="23%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;Total</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,808</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,808</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,808</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,165</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,809</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -18pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value of temporarily impaired securities, the amount of unrealized losses and the length of time these unrealized losses existed as of March 31, 2011 are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="top" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less than 12 months</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="top" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;12 months or longer</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="bottom" width="23%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;Total</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 1.05pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="33%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,058</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,058</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,864</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(136</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,864</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(136</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="33%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,864</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(136</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,058</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,780</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,194</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the Company had a single collateralized debt obligation which is secured by trust preferred securities issued by 19 other holding companies. The Company holds the mezzanine tranche of this security. Four of the issuers in this pool have defaulted (representing 38% of the remaining collateral), and seven other issuers are currently in deferral (29% of the remaining collateral). The Company has estimated an expected default rate of 44% for this security. The expected default rate was estimated based primarily on an analysis of the financial condition of the underlying banks. The Company estimates that a default rate of 46% would trigger a potential impairment of this security. The Company utilized a discount rate of 22% to estimate the fair value of this security. There was no excess subordination on this security.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">During the year ended March 31, 2012, the Company determined that there was no additional OTTI charge on the above trust preferred investment security. The Company does not intend to sell this security and it is not more likely than not that the Company will be required to sell the security before the anticipated recovery of the remaining amortized cost basis.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">To determine the component of gross OTTI related to credit losses, the Company compared the amortized cost basis of the OTTI security to the present value of the revised expected cash flows, discounted using the current pre-impairment yield.&#160;&#160;The revised expected cash flow estimates are based primarily on an analysis of default rates, prepayment speeds and third-party analytical reports.&#160;&#160;Significant judgment of management is required in this analysis that includes, but is not limited to, assumptions regarding the ultimate collectibility of principal and interest on the underlying collateral.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">83</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The unrealized losses on the above single agency security is primarily attributable to increases in market interest rates subsequent to their purchase by the Company.&#160;&#160;The Company expects the fair value of these agency securities to recover as the agency securities approach their maturity dates or sooner if market yields for such securities decline.&#160;&#160;The Company does not believe that any of the agency securities are impaired due to reasons of credit quality or related to any issuer or industry specific event.&#160;&#160;Based on management&#8217;s evaluation and intent, none of the unrealized losses related to the agency securities in this table are considered other than temporary.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The contractual maturities of investment securities available for sale are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="40%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due in one year or less</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after one year through five years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,000</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after five years through ten years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after ten years</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,123</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,315</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="40%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,123</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,314</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company realized no gains or losses on sales of investment securities in the years ended March 31, 2012, 2011 and 2010.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There were no investment securities pledged as collateral by the Bank at March 31, 2012 and 2011.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">MORTGAGE-BACKED SECURITIES</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Mortgage-backed securities held to maturity consisted of the following (in thousands):</font></div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="27%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="27%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized</font> </div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font> </div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gains</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font> </div>

<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated</font> </div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font> </div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">102</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">104</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">171</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">177</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="27%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2011</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">78</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">82</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">117</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Mortgage-backed securities held to maturity with an amortized cost of $69,000 and $76,000 and a fair value of $71,000 and $80,000 at March 31, 2012 and 2011, respectively, were pledged as collateral for governmental public funds. There were no mortgage-backed securities pledged as collateral for treasury tax and loan funds held by the Bank at March 31, 2012.&#160;&#160;Mortgage-backed securities held to maturity with an amortized cost of $98,000 and a fair value of $103,000 at March 31, 2011 were pledged as collateral for treasury tax and loan funds held by the Bank.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The contractual maturities of mortgage-backed securities classified as held to maturity are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="42%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td colspan="2" valign="top" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized</font> </div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center">
<div style="TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated</font> </div>

<div><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due in one year or less</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after one year through five years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after five years through ten years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after ten years</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">168</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">174</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">171</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">177</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">84</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Mortgage-backed securities available for sale consisted of the following (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="27%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -1pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gains</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Gross </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unrealized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Losses</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Value</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate mortgage investment conduits</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">319</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">329</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">613</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">636</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">940</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2011</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate mortgage investment conduits</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">421</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">433</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,270</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,304</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="27%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,729</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,777</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The contractual maturities of mortgage-backed securities available for sale are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="90%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="42%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">March 31, 2012</font></font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cost</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Estimated</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due in one year or less</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after one year through five years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">714</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">743</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after five years through ten years</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Due after ten years</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">226</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">231</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="42%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">940</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Expected maturities of mortgage-backed securities held to maturity and available for sale will differ from contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Mortgage-backed securities available for sale with an amortized cost of $744,000 and $178,000 and a fair value of $776,000 and $187,000 at March 31, 2012 and 2011, respectively, were pledged as collateral for government public funds held by the Bank.&#160;&#160;The real estate mortgage investment conduits consist of FHLMC and Fannie Mae (&#8220;FNMA&#8221;) securities.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">LOANS RECEIVABLE</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Loans receivable at March 31, 2012 and 2011 are reported net of deferred loan fees totaling $2.7 million and $2.9 million, respectively. Loans receivable, excluding loans held for sale, consisted of the following (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="29%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="middle" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial and construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other real estate mortgage</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">434,763</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">461,955</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,791</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,385</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total commercial and construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">547,792</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">574,851</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="29%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate one-to-four family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">134,975</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">110,437</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other installment</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,042</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,289</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total consumer</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137,017</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112,726</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="29%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">684,809</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">687,577</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="29%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="11%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="29%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allowance for loan losses</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,921</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="29%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable, net</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,888</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="11%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">672,609</font></div>
</td>
</tr></table>
</div>

<div>&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company originates commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and consumer loans. At March 31, 2012 and 2011, the Company had no loans to foreign domiciled businesses or foreign countries, or loans related to highly leveraged transactions. Substantially all of the mortgage loans in the Company&#8217;s portfolio are secured by properties located in Washington and Oregon, and, accordingly, the ultimate </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">85</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">collectibility of a substantial portion of the Company&#8217;s loan portfolio is susceptible to changes in the local economic conditions in these markets. The Company considers its loan portfolio to have very little exposure to sub-prime mortgage loans since the Company has not historically engaged in this type of lending. At March 31, 2012, loans carried at $494.5 million were pledged as collateral to the FHLB and FRB for borrowing arrangements.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Aggregate loans to officers and directors, all of which are current, consist of the following (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">
<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="35%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="top" width="26%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="35%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="35%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Beginning balance</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,160</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,448</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,021</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="35%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Originations</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">774</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">628</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="35%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Principal repayments</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(254</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(62</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(201</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="35%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending balance</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,907</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,160</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,448</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-WEIGHT: bold">6.&#160; <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ALLOWANCE FOR LOAN LOSSES</font></font></font></font></div>

<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The allowance for loan losses is maintained at a level sufficient to provide for probable loan losses based on evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon the Company&#8217;s ongoing quarterly assessment of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are considered impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows, or collateral value or observable market price, of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans based on the Company&#8217;s risk rating system and historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that the Company believes have resulted in losses that have not yet been allocated to specific elements of the general component. Such factors include uncertainties in economic conditions and in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriate allowance level is estimated based upon factors and trends identified by the Company at the time the consolidated financial statements are prepared.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Commercial business, commercial real estate, construction and land acquisition and development loans are considered to have a higher degree of credit risk than one-to-four family residential loans, and tend to be more vulnerable to adverse conditions in the real estate market and deteriorating economic conditions. While the Company believes the estimates and assumptions used in its determination of the allowance are reasonable, there can be no assurance that such estimates and assumptions will not be proven incorrect in the future, that the actual amount of future provisions will not exceed the amount of past provisions, or that any increased provisions that may be required will not adversely impact our financial condition and results of operations. In addition, bank regulators periodically review the Company&#8217;s allowance and may require the Company to increase its provision for loan losses or recognize additional loan charge-offs. An increase in the Company&#8217;s allowance for loan losses or loan charge-offs as required by these regulatory authorities may have a material adverse effect on its financial condition and results of operations.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management&#8217;s evaluation of the allowance for loan losses is based on ongoing, quarterly assessments of the known and inherent risks in the loan portfolio. Loss factors are based on the Company&#8217;s historical loss experience with additional consideration and adjustments made for changes in economic conditions, changes in the amount and composition of the loan portfolio, delinquency rates, changes in collateral values, seasoning of the loan portfolio, duration of current business cycle, a detailed analysis of impaired loans and other factors as deemed appropriate. These factors are evaluated on a quarterly basis. Loss rates used by the Company are affected as changes in these factors increase or decrease from quarter to quarter. The Company also considers bank regulatory examination results and findings of internal credit examiners in its quarterly evaluation of the allowance for loan losses. Management&#8217;s recent analysis of the allowance has placed greater emphasis on the Company&#8217;s construction and land development loan portfolios and the effect of various factors such as geographic and loan type concentrations. The Company has focused on managing these portfolios in an attempt to minimize the effects of declining home values and slower home sales in its market areas.</font></div>

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</div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">86</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
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<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables present a reconciliation of the allowance for loan losses at the dates indicated (in thousands):</font></div>

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<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commercial&#160;&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Business</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commercial </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Land</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Multi-Family</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate Construction</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consumer</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unallocated</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Beginning balance</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,822</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,744</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,003</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,172</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">820</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,339</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,068</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,638</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,681</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,692</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,126</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,690</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,670</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(147</font></div>
</td>
<td align="right" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,350</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Charge-offs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,801</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,826</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(10,892</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,177</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,101</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,750</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(24,547</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recoveries</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">103</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">150</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending balance</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,688</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,599</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,906</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,121</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">412</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,274</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,921</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,921</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Beginning balance</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,181</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,592</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,013</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">423</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,137</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,574</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,722</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,642</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,005</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">414</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,101</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,749</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">455</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">346</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,075</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Charge-offs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,371</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(263</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,141</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,329</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(703</font></div>
</td>
<td align="left" colspan="2" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(11,807</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recoveries</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">30</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">58</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending balance</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,822</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,744</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,003</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,172</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">820</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,339</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,068</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Beginning balance</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,668</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,529</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,594</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">352</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,592</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,209</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,030</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,974</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,973</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,099</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,219</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">71</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,640</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(308</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,900</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Charge-offs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,466</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(36</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,800</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,737</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,282</font></div>
</td>
<td align="left" colspan="2" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(11,321</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Recoveries</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">76</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">89</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending balance</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,181</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,592</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,013</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">423</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,137</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,574</font></div>
</td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,722</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="5%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,642</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables present an analysis of loans receivable and allowance for loan losses, which were evaluated individually and collectively for impairment at the dates indicated (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for loan losses</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="bottom" width="30%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded investment in loans</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Individually </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Evaluated for </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impairment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Collectively </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Evaluated for Impairment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Individually </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Evaluated for </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impairment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Collectively </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Evaluated for </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impairment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,615</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,688</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,818</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">79,420</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">686</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,913</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,599</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,824</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">330,256</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">353,080</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">624</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,282</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,906</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,226</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,662</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,888</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,117</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,121</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,265</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,530</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,795</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">394</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">412</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,613</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,178</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,791</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">197</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,077</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,274</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,967</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">132,050</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137,017</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unallocated</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,921</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,921</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,602</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,319</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,921</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,713</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">619,096</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">684,809</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">207</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,615</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,822</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,382</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">82,129</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,685</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,744</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,976</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">355,712</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">364,688</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,003</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,003</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,695</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52,563</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,258</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,779</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">393</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,172</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,000</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34,009</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,009</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">820</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">820</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,179</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,385</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,339</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,339</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112,726</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112,726</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Unallocated</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,068</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,068</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 4.3pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,045</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,923</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,968</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,259</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">660,318</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">687,577</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">87</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Changes in the allowance for unfunded loan commitments were as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="90%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="37%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="top" width="26%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="37%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="37%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Beginning balance</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">166</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">296</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="37%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net change in allowance for unfunded loan commitments</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(19</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(111</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="37%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Ending balance</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">217</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">166</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">185</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; TEXT-DECORATION: underline">Non-accrual loans:</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">&#160;</font>The following tables present an analysis of past due loans at the dates indicated (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">30-89 Days Past Due</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Greater Than 90 Days (Non-Accrual)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total Past Due</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Current</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total Loans Receivable</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded Investment &gt; 90 Days and Accruing</font></div>
</td>
</tr><tr>
<td align="left" valign="top" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" colspan="2" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">535</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,930</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,465</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">82,773</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">87,238</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,733</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,950</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,683</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">333,397</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">353,080</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">128</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,985</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,113</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,775</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">38,888</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,627</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,627</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,168</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,795</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Real estate construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,756</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,756</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,035</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,791</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,453</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,915</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,368</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">130,649</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">137,017</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,849</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44,163</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53,012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">631,797</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">684,809</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160; March 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="top" width="16%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,415</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,871</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,286</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81,225</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">85,511</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,112</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,385</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,497</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">361,191</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">364,688</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,904</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,904</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">52,354</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,258</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">42,009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Real estate construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23,179</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,385</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,271</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">957</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,228</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">107,498</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112,726</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="16%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,798</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,323</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20,121</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" colspan="2" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">667,456</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">687,577</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Interest income foregone on non-accrual loans was $2.3 million, $1.9 million and $2.8 million for the years ended March 31, 2012, 2011 and 2010, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Credit quality indicators:</font> The Company monitors credit risk in its loan portfolio using a risk rating system for all commercial (non-consumer) loans. The risk rating system is a measure of the credit risk of the borrower based on their historical, current and anticipated financial characteristics. The Company assigns a risk rating to each commercial loan at origination and subsequently updates these ratings, as necessary, so the risk rating continues to reflect the appropriate risk characteristics of the loan. Application of appropriate risk ratings is key to management of the loan portfolio risk. In arriving at the rating, the Company considers the following factors: delinquency, payment history, quality of management, liquidity, leverage, earning trends, alternative funding sources, geographic risk, industry risk, cash flow adequacy, account practices, asset protection and extraordinary risks. Consumer loans, including custom construction loans, are not assigned a risk rating but rather are grouped into homogeneous pools with similar risk characteristics. When a consumer loan is delinquent 90 days it is placed on non-accrual status and assigned a substandard risk rating. Loss factors are assigned to each risk rating and homogeneous pool based on historical loss experience for similar loans. This historical loss experience is adjusted for qualitative factors that are likely to cause the estimated credit losses to differ from the Company&#8217;s historical loss experience. The Company uses these loss factors to estimate the general component of its allowance for loan loss.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Pass</font> - These loans have risk rating between 1 and 4 and are to borrowers that meet normal credit standards.&#160;&#160;Any deficiencies in satisfactory asset quality, liquidity, debt servicing capacity and coverage are offset by strengths in other areas. The borrower currently has the capacity to perform according to the loan terms. Any concerns about risk factors such as stability of margins, stability of cash flows, liquidity, dependence on a single product/supplier/customer, depth of management, etc., are offset by strength in other areas. Typically, the operating assets of the company and/or real estate will secure these loans.<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font>Management is considered competent. The borrower has the ability to repay the debt in the normal course of business.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">88</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Watch</font> &#8211; These loans have a risk rating of 5 and would typically have many of the attributes of loans in the pass rating. However, there would typically be some reason for additional management oversight, such as recent financial setbacks, deteriorating financial position, industry concerns and failure to perform on other borrowing obligations. Loans with this rating are to be monitored closely in an effort to correct deficiencies.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Special mention</font> &#8211; These loans have a risk rating of 6 and are currently protected but have the potential to deteriorate to a &#8220;Substandard&#8221; rating. The borrower&#8217;s financial performance may be inconsistent or below forecast, creating the possibility of liquidity problems and shrinking debt service coverage. The borrower may have a short track record and little depth of management. Other typical characteristics include inadequate current financial information, marginal capitalization, and susceptibility to negative industry trends. The primary source of repayment is still viable but there is increasing reliance on collateral or guarantor support.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" align="justify"><br>
<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Substandard</font> &#8211; These loans have a risk rating of 7 and are rated in accordance with regulatory guidelines, for which the accrual of interest may or may not be discontinued. By definition under regulatory guidelines, a &#8220;Substandard&#8221; loan has defined weaknesses which make payment default or principal exposure likely, but not yet certain. Such loans are apt to be dependent upon collateral liquidation, a secondary source of repayment, or an event outside of the normal course of business.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" align="justify"><br>
<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Doubtful</font> - These loans have a risk rating of 8 and are rated in accordance with regulatory guidelines. Such loans are placed on non-accrual status and may be dependent upon collateral having a value that is difficult to determine or upon some near-term event which lacks certainty.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 45pt; MARGIN-RIGHT: 0pt" align="justify"><br>
<font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Loss</font> - These loans have a risk rating of 9 and are rated in accordance with regulatory guidelines. Such loans are to be charged-off or charged-down when payment is acknowledged to be uncertain or when the timing or value of payments cannot be determined. &#8220;Loss&#8221; is not intended to imply that the loan or some portion of it will never be paid, nor does it in any way imply that there has been a forgiveness of debt.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables present an analysis of credit quality indicators at the dates indicated (dollars in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="bottom" width="20%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="5" valign="bottom" width="20%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
</tr><tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted-</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Grade</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Classified</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Loans </font><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted-</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk Grade</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Classified </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Loans </font><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></div>
</td>
</tr><tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial Business</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.97</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,456</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.00</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,920</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial Real Estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.88</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">35,077</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.66</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,909</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.60</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,560</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.00</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,818</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-Family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.06</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,265</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.06</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,679</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate Construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.51</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,756</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.96</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,106</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.00</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,915</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.00</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">957</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.08</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">86,029</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.93</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,389</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total loans risk rated</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">550,174</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">573,506</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" colspan="13" valign="bottom" width="64%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;&#160;(1) </font>Consumer loans are primarily evaluated on a homogenous pool level and generally not individually risk rated unless certain factors are met.</font></div>

<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;&#160;(2) </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Classified loans includes loans under the credit quality indicator categories of substandard, doubtful and loss</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">89</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Impaired loans:</font> The following tables present an analysis of impaired loans at the dates indicated (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment with </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">No Specific </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Valuation </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">with Specific </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Valuation </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unpaid </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Principal </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Related </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Valuation </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment</font></div>
</td>
</tr><tr>
<td valign="top" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,790</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,028</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,818</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,477</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,400</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,704</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,120</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,824</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">25,359</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">686</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,102</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,365</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,861</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,226</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,989</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">624</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,339</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,825</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">440</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,265</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,189</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,254</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">604</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,613</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,796</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,700</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,842</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,125</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,967</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,880</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">197</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,584</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,535</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20,178</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">65,713</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">83,690</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,602</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53,379</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="14%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -20.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,024</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,358</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,382</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,562</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">207</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,593</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">750</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,226</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,976</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,221</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,979</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,695</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,695</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,094</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,695</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,036</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,779</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,864</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate construction</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,206</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,474</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,950</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="14%" style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">462</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="14%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,675</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,584</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,259</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">36,387</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,045</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="top" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37,543</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The related amount of interest income recognized on loans that were impaired was $2.2 million, $907,000 and $175,000 during the years ended March 31, 2012, 2011 and 2010, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents troubled debt restructurings (&#8220;TDR&#8221;) at the date indicated:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="19%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="bottom" width="27%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(In Thousands)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Contracts</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pre-</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Modification </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Post-</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Modification </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment</font></div>
</td>
</tr><tr>
<td valign="bottom" width="19%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial business</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,864</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,018</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Commercial real estate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,158</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,966</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,191</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,136</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Multi-family</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,372</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,277</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consumer</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,739</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,683</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20,324</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,080</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2011, TDRs totaled $5.9 million.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">TDRs are loans where the Company, for economic or legal reasons related to the borrower's financial condition, has granted a concession to the borrower that it would otherwise not consider. A TDR typically involves a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, or an extension of the maturity date(s) at a stated interest rate lower than the current market rate for a new loan with similar risk.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">TDRs are considered impaired loans and as such, when a loan is deemed to be impaired, the amount of the impairment is measured using discounted cash flows using the original note rate, except when the loan is collateral dependent.&#160;&#160;In these cases, the current fair value of the collateral, less selling costs is used.&#160;&#160;Impairment is recognized as a specific component within the allowance for loan losses if the value of the impaired loan is less than the recorded investment in the loan.&#160;&#160;When the amount of the impairment represents a confirmed loss, it is charged off against the allowance for loan losses. There were no TDRs that were recorded in the twelve months ended March 31, 2011 or March 31, 2012 that subsequently defaulted.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">90</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PREMISES AND EQUIPMENT</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Premises and equipment consisted of the following (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="90%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="42%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="6" valign="top" width="18%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;March 31,</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="42%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="42%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Land</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,213</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,213</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Buildings and improvements</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,987</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,968</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Leasehold improvements</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,413</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,413</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Furniture and equipment</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,046</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,985</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Buildings under capitalized leases</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,715</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,715</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="42%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Construction in progress</font></div>
</td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,544</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">690</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31,918</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">29,984</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="42%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less accumulated depreciation and amortization</font></div>
</td>
<td valign="top" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(14,850</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(13,884</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="42%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Premises and equipment, net</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,068</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">16,100</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Depreciation expense was $1.5 million, $1.5 million and $1.7 million for the years ended March 31, 2012, 2011 and 2010, respectively. The Company is obligated under various noncancellable lease agreements for land and buildings that require future minimum rental payments, exclusive of taxes and other charges.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">During fiscal year 2006, the Company entered into a capital lease for the shell of the building constructed as the Company&#8217;s operations center. The lease period is for twelve years with two six-year lease renewal options. For the years ended March 31, 2012, 2011 and 2010, the Company recorded $113,000 in amortization expense. At March 31, 2012 and 2011, accumulated amortization for the capital lease totaled $714,000 and $601,000, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In March 2010, the Company sold two of its branch locations. The Company maintains a substantial continuing involvement in the locations through various non-cancellable operating leases that contain certain renewal options. The resulting gain on sale of $2.1 million was deferred and is being amortized over the life of the respective leases. At March 31, 2012, the deferred gain was $1.8 million and is included in accrued expenses and other liabilities in the accompanying Consolidated Balance Sheets.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following is a schedule of future minimum lease payments under capital leases together with the present value of net minimum lease payments and the future minimum rental payments required under operating leases that have initial or noncancellable lease terms in excess of one year as of March 31, 2012 (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ending March 31:</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Operating Lease</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Capital Lease</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2013</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,767</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">251</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2014</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,662</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">251</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2015</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,580</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">251</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2016</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,595</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">251</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2017</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,569</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">251</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Thereafter</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,790</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,180</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total minimum lease payments</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,963</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,435</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Less amount representing interest</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,922</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Present value of net minimum lease payments</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,513</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Rent expense was $1.8 million, $1.8 million and $1.7 million for the years ended March 31, 2012, 2011 and 2010, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">91</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">REAL ESTATE OWNED</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table is a summary of the activity in REO for the periods indicated (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="top" width="20%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td colspan="2" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance at beginning of year, net</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,590</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,325</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,171</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Additions</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,050</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,822</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">19,644</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dispositions</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(11,671</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(7,633</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(15,696</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Writedowns</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,238</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(924</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,794</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance at end of year, net</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,731</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,590</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,325</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">REO expenses for the year ended March 31, 2012 consisted of write-downs on existing REO properties of $4.2 million and operating expenses of $859,000. Net losses on dispositions of REO totaled $556,000 for the year ended March 31, 2012, and were included in other non-interest income in the accompanying Consolidated Statements of Operations.&#160;&#160;REO expenses for the year ended March 31, 2011 consisted of write-downs on existing REO properties of $924,000, operating expenses of $893,000 and net gains on dispositions of REO totaled $386,000 for the year ended March 31, 2011. REO expenses for the year ended March 31, 2010 consisted of write-downs on existing REO properties of $4.8 million, operating expenses of $726,000 and losses on dispositions of REO of $902,000.</font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 33px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.&#160;&#160;</font></div>
</td>
<td width="1534">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">GOODWILL</font></div>
</td>
</tr></table>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Goodwill and intangibles generally arise from business combinations accounted for under the purchase method.&#160;&#160;Goodwill and other intangibles deemed to have indefinite lives generated from purchase business combinations are not subject to amortization and are instead tested for impairment no less than annually.&#160;&#160;The Company has one reporting unit, the Bank, for purposes of computing goodwill.</font></font></div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">During the third quarter of fiscal 2012, the Company performed its annual goodwill impairment test to determine whether an impairment of its goodwill asset exists. The goodwill impairment test involves a two-step process. The first step is a comparison of the reporting unit&#8217;s fair value to its carrying value. If the reporting unit&#8217;s fair value is less than its carrying value, the Company would be required to progress to the second step. In the second step the Company calculates the implied fair value of goodwill. The GAAP standards with respect to goodwill require that the Company compare the implied fair value of goodwill to the carrying amount of goodwill on the Company&#8217;s balance sheet.&#160;&#160;If the carrying amount of the goodwill is greater than the implied fair value of that goodwill, an impairment loss must be recognized in an amount equal to that excess. The implied fair value of goodwill is determined in the same manner as goodwill recognized in a business combination. The estimated fair value of the Company is allocated to all of the Company&#8217;s individual assets and liabilities, including any unrecognized identifiable intangible assets, as if the Company had been acquired in a business combination and the estimated fair value of the Company is the price paid to acquire it. The allocation process is performed only for purposes of determining the amount of goodwill impairment, as no assets or liabilities are written up or down, nor are any additional unrecognized identifiable intangible assets recorded as a part of this process. The results of the Company&#8217;s step one test indicated that the reporting unit&#8217;s fair value was less than its carrying value and therefore the Company performed a step two analysis.&#160;&#160;After the step two analysis was completed, the Company determined the implied fair value of goodwill was greater than the carrying value on the Company&#8217;s balance sheet and no goodwill impairment existed; however, no assurance can be given that the Company&#8217;s goodwill will not be written down in future periods.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">An interim impairment test was not deemed necessary as of March 31, 2012, due to there not being a significant change in the reporting unit&#8217;s assets and liabilities, the amount that the fair value of the reporting unit exceeded the carrying value as of the most recent valuation, and because the Company determined that, based on an analysis of events that have occurred and circumstances that have changed since the most recent valuation date, the likelihood that a current fair value determination would be less than the current carrying amount of the reporting unit is remote.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">92</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">DEPOSIT ACCOUNTS</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Deposit accounts consisted of the following (dollars in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="22%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-DECORATION: underline"><font style="DISPLAY: inline">Account Type</font></font></div>
</td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="top" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest-bearing</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.00</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">116,882</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.00</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">102,429</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest checking</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.23</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106,904</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.18</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">77,399</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.34</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">244,919</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.60</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">236,321</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Savings accounts</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.25</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45,741</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.35</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37,231</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.99</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">230,009</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.30</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">263,150</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="22%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.47</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">744,455</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.71</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.85pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">716,530</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The weighted average rate is based on interest rates at the end of the year.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Certificates of deposit in amounts of $100,000 or more totaled $142.0 million and $165.1 million at March 31, 2012 and 2011, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Interest expense by deposit type was as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="8" valign="top" width="20%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td colspan="2" valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="top" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest checking</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">281</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">239</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">331</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Money market</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,049</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,846</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,360</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Savings accounts</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">124</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">160</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">162</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificate of deposit</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,903</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,324</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" colspan="2" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,782</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="28%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,357</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,569</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" colspan="2" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,635</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">JUNIOR SUBORDINATED DEBENTURES</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012, the Company had two wholly-owned subsidiary grantor trusts that were established for the purpose of issuing trust preferred securities and common securities. The trust preferred securities accrue and pay distributions periodically at specified annual rates as provided in each trust agreement. The trusts used the net proceeds from each of the offerings to purchase a like amount of junior subordinated debentures (the &#8220;Debentures&#8221;) of the Company. The Debentures are the sole assets of the trusts.&#160;&#160;The Company&#8217;s obligations under the Debentures and related documents, taken together, constitute a full and unconditional guarantee by the Company of the obligations of the trusts. The trust preferred securities are mandatorily redeemable upon maturity of the Debentures, or upon earlier redemption as provided in the indentures.&#160;&#160;The Company has the right to redeem the Debentures in whole or in part on or after specific dates, at a redemption price specified in the indentures governing the Debentures plus any accrued but unpaid interest to the redemption date. The Company also has the right to defer the payment of interest on each of the Debentures for a period not to exceed 20 consecutive quarters, provided that the deferral period does not extend beyond the stated maturity. During such deferral period, distributions on the corresponding trust preferred securities will also be deferred and the Company may not pay cash dividends to the holders of shares of our common stock. Beginning in the first quarter of fiscal 2011, the Company elected to defer regularly scheduled interest payments on its outstanding $22.7 million aggregate principal amount of the Debentures. The Company continued with the interest deferral at March 31, 2012. As of March 31, 2012, the Company has deferred a total of $2.6 million of interest payments. During the deferral period, the Company is restricted from paying dividends on its common stock.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Debentures issued by the Company to the grantor trusts, totaling $22.7 million, are reflected in the consolidated balance sheets in the liabilities section, under the caption &#8220;junior subordinated debentures.&#8221;&#160; The common securities issued by the grantor trusts were purchased by the Company, and the Company&#8217;s investment in the common securities of $681,000 at March 31, 2012 and 2011, is included in prepaid expenses and other assets in the consolidated balance sheets.&#160;&#160;The Company records interest expense on the Debentures in the Consolidated Statements of Operations.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">93</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table is a summary of the terms of the current Debentures at March 31, 2012:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="23%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Issuance Trust</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Issuance </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Date</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.6pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate Type</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Initial </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Rate</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Maturing </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Date</font></div>
</td>
</tr><tr>
<td valign="bottom" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="11" valign="bottom" width="50%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars in thousands)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Riverview Bancorp Statutory Trust I</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;12/2005</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;$&#160;&#160;&#160;&#160;7,217</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 2.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Variable <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.88%</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.65pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.83%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3/2036</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="23%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Riverview Bancorp Statutory Trust II</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;6/2007</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">&#160;&#160;&#160;&#160;15,464</font></font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 2.25pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fixed <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.03%</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 3.65pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.03%</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9/2037</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="top" width="23%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 9.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline">$&#160;&#160;22,681</font></font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td colspan="13" valign="bottom" width="74%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 9pt; MARGIN-LEFT: 27pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The trust preferred securities reprice quarterly based on the three-month LIBOR plus 1.36%.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 9pt; MARGIN-LEFT: 27pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The trust preferred securities bear a fixed quarterly interest rate for 60 months, at which time the rate begins to float on a quarterly basis based </font></div>

<div style="TEXT-INDENT: 9pt; MARGIN-LEFT: 27pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160; on the three-month LIBOR plus 1.35% until maturity.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">INCOME TAXES</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Income tax provision (benefit) for the years ended March 31 consisted of the following (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="60%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="19%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Current</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(158</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">324</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deferred</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,536</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,841</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,295</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="19%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,378</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,165</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,277</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The tax effect of temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities at March 31, 2012 and 2011 are as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="34%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deferred tax assets:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deferred compensation</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">512</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">469</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loan loss reserve</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,149</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,373</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued expenses</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">245</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">265</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accumulated depreciation</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">568</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">518</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deferred gain on sale</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">402</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">460</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tax credit carryforwards</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,111</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net unrealized loss on securities available for sale</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">603</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">730</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Impairment on investment security</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">233</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">233</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">REO expense</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,814</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,833</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-compete</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">119</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">367</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">205</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Valuation allowance for deferred tax assets</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(16,830</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total deferred tax asset</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,280</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,205</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deferred tax liabilities:</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLB stock dividend</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,063</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,063</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Purchase accounting</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(49</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(79</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Prepaid expense</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(178</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(167</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loan fees/costs</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(387</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(449</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total deferred tax liability</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,677</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,758</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="34%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Deferred tax asset, net</font></div>
</td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">603</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,447</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A reconciliation of the Company&#8217;s effective income tax rate with the federal statutory tax rate for the years ended March 31 is as follows:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="54%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;<font style="FONT-WEIGHT: bold">2012</font></font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;2011</font></td>
<td valign="bottom" width="5%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="2%" style="TEXT-ALIGN: center; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;2010</font></td>
<td align="left" valign="bottom" width="2%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Statutory federal income tax rate</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34.0</font></div>
</td>
<td align="left" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34.0</font></div>
</td>
<td align="left" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">34.0</font></div>
</td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">State and local income tax rate</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.5</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.5</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.5</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ESOP market value adjustment</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.1</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.2</font></div>
</td>
<td align="left" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.1</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest income on municipal securities</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.1</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.3</font></div>
</td>
<td align="left" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.4</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bank owned life insurance</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.9</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3.3</font></div>
</td>
<td align="left" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.5</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Valuation adjustment</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(72.5</font></div>
</td>
<td align="left" valign="bottom" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other, net</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
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</td>
<td align="left" valign="top" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.7</font></div>
</td>
<td valign="bottom" width="5%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.9</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="54%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Effective federal income tax rate</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(36.0</font></div>
</td>
<td align="left" valign="top" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33.4</font></div>
</td>
<td align="left" valign="top" width="5%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37.6</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">94</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There were no taxes related to the gains on sales of securities for the years ended March 31, 2012, 2011 and 2010. The tax effects of certain tax benefits related to stock options are recorded directly to shareholders&#8217; equity.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank&#8217;s retained earnings at March 31, 2012 and 2011 include base year bad debt reserves, which amounted to $2.2 million, for which no federal income tax liability has been recognized.&#160;&#160;The amount of unrecognized deferred tax liability at March 31, 2012 and 2011 was $781,000.&#160;&#160;This represents the balance of bad debt reserves created for tax purposes as of December 31, 1987.&#160;&#160;These amounts are subject to recapture in the unlikely event that the Company&#8217;s banking subsidiaries (1) make distributions in excess of current and accumulated earnings and profits, as calculated for federal tax purposes, (2) redeem their stock, or (3) liquidate.&#160;&#160;Management does not expect this temporary difference to reverse in the foreseeable future. At March 31, 2012, the Company had a deferred tax asset of $4.9 million and $1.2 million for federal and state, net operating loss carryforwards, respectively, which will expire in 2032.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At March 31, 2012 and 2011, the Company had no unrecognized tax benefits or uncertain tax positions. In addition, the Company had no accrued interest or penalties as of March 31, 2012 or 2011. It is the Company&#8217;s policy to recognize potential accrued interest and penalties as a component of income tax expense. The Company is subject to U.S. federal income tax and income tax of the State of Oregon. The years 2008 to 2011 remain open to examination for federal income taxes, and years 2007 to 2011 remain open to State examination.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In accordance with current accounting guidance, a valuation allowance is required to be recognized if it is &#8220;more likely than not&#8221; that all or a portion of the deferred tax assets will not be realized. &#8220;More likely than not&#8221; is defined as greater than 50% probability of occurrence. A determination as to the ultimate realization of the deferred tax assets is dependent upon management&#8217;s judgment and evaluation of both positive and negative evidence, forecasts of future taxable income, applicable tax planning strategies, and an assessment of current and future economic and business conditions. Positive evidence reviewed included long-term earnings history prior to recent economic downturn, recent improved performance trends, proven ability to utilize deferred tax credits, projection of future income, capital levels and net operating loss carryback availability. Negative evidence reviewed consisted primarily of the losses sustained by the Company during fiscal year 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">After considering both the positive and negative factors, management carried a valuation allowance for deferred taxes of $16.8 million as of March 31, 2012. The Company did not have a valuation allowance for deferred tax assets at March 31, 2011.</font></div>

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</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">EMPLOYEE BENEFIT PLANS</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Retirement Plan</font> - The Riverview Bancorp, Inc. Employees&#8217; Savings and Profit Sharing Plan (the &#8220;Plan&#8221;) is a defined contribution profit-sharing plan incorporating the provisions of Section 401(k) of the Internal Revenue Code. Company expenses related to the Plan for the years ended March 31, 2012, 2011 and 2010 were $401,000, $399,000 and $401,000, respectively.</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Directors Deferred Compensation Plan</font> - Directors may elect to defer their monthly directors&#8217; fees until retirement with no income tax payable by the director until retirement benefits are received.&#160;&#160;Chairman, President, Executive and Senior Vice Presidents of the Company may also defer salary into this plan. This alternative is made available to them through a nonqualified deferred compensation plan. The Company accrues annual interest on the unfunded liability under the Directors Deferred Compensation Plan based upon a formula relating to gross revenues, which amounted to 4.51%, 5.00% and 5.13% for the years ended March 31, 2012, 2011 and 2010, respectively. The estimated liability under the plan is accrued as earned by the participant. At March 31, 2012 and 2011, the Company&#8217;s aggregate liability under the plan was $1.4 million and $1.3 million, respectively.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Stock Option Plans</font> <font style="FONT-STYLE: italic; DISPLAY: inline">-</font> In July 1998, shareholders of the Company approved the adoption of the 1998 Stock Option Plan (&#8220;1998 Plan&#8221;). The 1998 Plan was effective October 1, 1998 and terminated on October 1, 2008.&#160;&#160;Accordingly, no further option awards may be granted under the 1998 Plan; however, any awards granted prior to its expiration remain outstanding subject to their terms. Each option granted under the 1998 Plan has an exercise price equal to the fair market value of the Company&#8217;s common stock on the date of the grant, a maximum term of ten years and a vesting period from zero to five years.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In July 2003, shareholders of the Company approved the adoption of the 2003 Stock Option Plan (&#8220;2003 Plan&#8221;). The 2003 Plan was effective July 2003 and will expire on the tenth anniversary of the effective date, unless terminated sooner by the Board. Under the 2003 Plan, the Company may grant both incentive and non-qualified stock options to purchase up to 458,554 shares of its common stock to officers, directors and employees. Each option granted under the </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">95</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
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<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2003 Plan has an exercise price equal to the fair market value of the Company&#8217;s common stock on the date of grant, a maximum term of ten years and a vesting period from zero to five years. At March 31, 2012, there were options for 102,000 shares of the Company&#8217;s common stock available for future grant under the 2003 Plan.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The fair value of each stock option granted is estimated on the date of grant using the Black-Scholes based stock option valuation model. The fair value of all awards is amortized on a straight-line basis over the requisite service periods, which are generally the vesting periods. The Black-Scholes model uses the assumptions listed in the table below.&#160;&#160;The expected life of options granted represents the period of time that they are expected to be outstanding. The expected life is determined based on historical experience with similar options, giving consideration to the contractual terms and vesting schedules. Expected volatility was estimated at the date of grant based on the historical volatility of the Company's common stock. Expected dividends are based on dividend trends and the market value of the Company's common stock at the time of grant. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the time of grant. The Company did not grant stock options during the year ended March 31, 2012.&#160;&#160;The Company granted 21,000 and 122,000 stock options during the years ended March 31, 2011 and 2010, respectively.</font></div>

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<div align="center">
<table cellpadding="0" cellspacing="0" width="70%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="15%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk Free</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest Rate</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expected</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Life (yrs)</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expected</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Volatility</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Expected</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dividends</font></div>
</td>
</tr><tr>
<td valign="bottom" width="15%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="15%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fiscal 2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="15%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fiscal 2011</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.50%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.25</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">45.05%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.77%</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="15%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Fiscal 2010</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.08%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.25</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37.55%</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.45%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The weighted average grant-date fair value of fiscal years 2011 and 2010 awards were $0.85 and $1.22, respectively.&#160;&#160;As of March 31, 2012, unrecognized compensation cost related to nonvested stock options totaled $5,000.&#160;&#160;The Company recognized pre-tax compensation expense related to stock options of $12,000, $77,000 and $112,000 for the years ended March 31, 2012, 2011 and 2010, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents the activity related to options under all plans for the years indicated.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="15" valign="top" width="55%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
</tr><tr>
<td valign="top" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="top" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="16%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="18%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="21%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;Shares</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shares</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shares</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance, beginning of period</font></div>
</td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">468,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -18pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.00</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">465,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -18pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.35</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">371,696&#160; </font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -18pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.99</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Grants</font></div>
</td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2.39</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">122,000&#160; </font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.82</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Options exercised</font></div>
</td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-&#160;&#160; </font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Forfeited</font></div>
</td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(28,200</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11.17</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(18,000</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.26</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8,000<font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.82</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Expired</font></div>
</td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(19,996<font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></font></div>
</td>
<td valign="top" width="1%" style="TEXT-ALIGN: left">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.50</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance, end of period</font></div>
</td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">440,500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -14pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.87</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">468,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -14pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.00</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">465,700&#160; </font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -14pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.35</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Additional information regarding options outstanding as of March 31, 2012 is as follows:</font></div>

<div style="TEXT-INDENT: 108pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">`</font></div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="18%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Options Outstanding</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="4" valign="bottom" width="18%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Options Exercisable</font></div>
</td>
</tr><tr>
<td valign="bottom" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted Avg</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted</font></div>
</td>
</tr><tr>
<td valign="bottom" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Remaining</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Range of</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Contractual</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="12%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercise Price</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Life (years)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Exercisable</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Price</font></div>
</td>
</tr><tr>
<td valign="bottom" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 1.95pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$1.97 - $6.17</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 23.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7.42</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">174,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.14</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">167,400</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.21</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 1.95pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$6.51 - $6.88</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 23.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.10</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.76</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">20,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.76</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 1.95pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$7.49 - $9.51</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 23.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.47</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.45</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.46</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 1.95pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$10.10 - $10.83</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 23.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.65</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.37</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.37</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 1.95pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$12.98 - $14.52</font></div>
</td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 23.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.05</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">205,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.09</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">205,000</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.09</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="12%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 23.1pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.02</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">440,500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.87</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">433,400</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.97</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">96</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents information on stock options outstanding for the periods shown, less estimated forfeitures.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="39%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="3" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock options fully vested and expected to vest:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">439,825</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">466,525</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average exercise price</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.87</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.01</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Aggregate intrinsic value <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average contractual term of options (years)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.02</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.98</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Stock options fully vested and currently exercisable:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">433,400</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">446,900</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average exercise price</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.97</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.22</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Aggregate intrinsic value <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="39%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average contractual term of options (years)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.97</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5.85</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="39%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="4%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" colspan="8" valign="bottom" width="64%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font><font style="DISPLAY: inline; FONT-SIZE: 10pt">&#160;</font><font style="DISPLAY: inline; FONT-SIZE: 10pt"> The aggregate intrinsic value of a stock options in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price) that would have been received by the option holders had all option holders exercised.&#160;&#160;This amount changes based on changes in the market value of the Company&#8217;s stock.</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There were no stock options exercised for the years ended March 31, 2012, 2011 and 2010, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">EMPLOYEE STOCK OWNERSHIP PLAN</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company sponsors an ESOP that covers all employees with at least one year and 1,000 hours of service who are over the age of 21.&#160;&#160;Shares are released and allocated to participant accounts on December 31 of each year until 2017. ESOP compensation expense included in salaries and employee benefits was $62,000, $64,000 and $73,000 for years ended March 31, 2012, 2011 and 2010, respectively.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">ESOP share activity is summarized in the following table:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 108pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="80%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="25%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">of</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unreleased</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shares</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unreleased</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">ESOP</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shares</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allocated</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">and Released</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Shares</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</font></div>
</td>
</tr><tr>
<td valign="bottom" width="25%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance, March 31, 2009</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">858,000</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">221,697</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">740,887</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">962,584</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allocation December 31, 2009</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(24,633</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,633</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance, March 31, 2010</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">453,000</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">197,064</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">765,520</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">962,584</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allocation December 31, 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(24,633</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,633</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance, March 31, 2011</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">524,000</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">172,431</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">790,153</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">962,584</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Allocation December 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(24,633</font></div>
</td>
<td align="left" valign="top" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">24,633</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="25%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 7.2pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance, March 31, 2012</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">334,000</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">147,798</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">814,786</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">962,584</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SHAREHOLDERS&#8217; EQUITY AND REGULATORY CAPITAL REQUIREMENTS</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company&#8217;s articles of incorporation authorize 250,000 shares of serial preferred stock.&#160;&#160;No preferred shares were issued or outstanding at March 31, 2012 or 2011.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank is subject to various regulatory capital requirements administered by the Office of the Comptroller of the Currency (&#8220;OCC&#8221;)<font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman">.</font><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">&#160;</font>Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on<font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>the Bank&#8217;s<font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>financial statements<font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">. </font>Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank&#8217;s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&#8217;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios of total and tier I capital to risk-weighted assets, core capital to total assets and tangible capital to tangible assets (set forth in the table below).<font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">&#160;</font>Management believes the Bank met all capital adequacy requirements to which it was subject to as of March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">97</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">As of March 31, 2012, the most recent notification from the OCC categorized the Bank as &#8220;well capitalized&#8221; under the regulatory framework for prompt corrective action<font style="FONT-STYLE: italic; DISPLAY: inline">. </font>To be categorized as &#8220;well capitalized,&#8221; the Bank must maintain minimum total capital and tier I capital to risk weighted assets, core capital to total assets and tangible capital to tangible assets (set forth in the table below)<font style="FONT-STYLE: italic; DISPLAY: inline">.</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank&#8217;s actual and required minimum capital amounts and ratios are as follows (dollars in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="26%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="3" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Actual</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="3" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">For Capital </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Adequacy </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Purposes</font></font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="3" valign="bottom" width="13%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#8220;Well Capitalized&#8221; </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Under Prompt </font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corrective Action</font></font></div>
</td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td valign="bottom" width="26%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ratio</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ratio</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Ratio</font></div>
</td>
<td valign="bottom" width="3%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total Capital:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(To Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">80,834</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.11</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">53,399</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.0</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">66,749</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.0</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">% <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier 1 Capital:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(To Risk-Weighted Assets)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">72,354</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.84</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">26,700</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.0</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40,049</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.0</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier 1 Capital (Leverage):</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.15pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; (To Adjusted Tangible Assets)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">72,354</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.76</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">33,034</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.0</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,292</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9.0</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;(1)</font></font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tangible Capital:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(To Tangible Assets)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">72,354</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.76</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,388</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.5</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">N/A</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">N/A</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total Capital:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(To Risk-Weighted Assets)</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101,002</font></div>
</td>
<td valign="top" width="1%">&#160;</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14.61</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">55,312</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.0</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">%</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">69,140</font></div>
</td>
<td valign="top" width="1%">&#160;</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12.0</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">% <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier 1 Capital:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(To Risk-Weighted Assets)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,307</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13.35</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,656</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.0</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,484</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6.0</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tier 1 Capital (Leverage):</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.15pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160; (To Adjusted Tangible Assets)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,307</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32,845</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4.0</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,056</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.0</font></div>
</td>
<td align="left" valign="bottom" width="3%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0.9pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">&#160;(1)</font></font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Tangible Capital:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="26%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 3.6pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(To Tangible Assets)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">92,307</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11.24</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12,317</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1.5</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">N/A</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">N/A</font></div>
</td>
<td valign="bottom" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font>&#160;&#160;</font></div>
</td>
<td>
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;The Bank agreed to establishing higher minimum capital ratios and must maintain a Tier 1 capital (leverage) ratio of not less than 9.0% and a total risked-based capital ratio of not less than 12.0%&#160;&#160;in order to be deemed &#8220;well capitalized&#8221;.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td align="right" style="WIDTH: 36pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font>&#160;&#160;</font></div>
</td>
<td>
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;The Bank agreed to establishing higher minimum capital ratios and must maintain a Tier 1 capital (leverage) ratio of not less than 8.0% and a total risked-based capital ratio of not less than 12.0%&#160;&#160;in order to be deemed &#8220;well capitalized&#8221;.</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">At periodic intervals, the OCC and the FDIC routinely examine the Bank&#8217;s Consolidated Financial Statements as part of their legally prescribed oversight. Based on their examinations, these regulators can direct that the Company&#8217;s Consolidated Financial Statements be adjusted in accordance with their findings. A future examination by the OCC or the FDIC could include a review of certain transactions or other amounts reported in the Company&#8217;s 2012 Consolidated Financial Statements.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company did not repurchase any shares of common stock for the years ended March 31, 2012, 2011 or 2010.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">EARNINGS PER SHARE</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Basic earnings per share (&#8220;EPS&#8221;) is computed by dividing net income or loss applicable to common stock by the weighted average number of common shares outstanding during the period, without considering any dilutive items. Diluted EPS is computed by dividing net income applicable to common stock by the weighted average number of common shares and common stock equivalents for items that are dilutive, net of shares assumed to be repurchased using the treasury stock method at the average share price for the Company&#8217;s common stock during the period. Common stock equivalents arise from assumed conversion of outstanding stock options. <font style="DISPLAY: inline; FONT-FAMILY: Times New Roman">ESOP shares are not considered outstanding for EPS purposes until they are committed to be released. For the years ended March 31, 2012, 2011 and 2010, stock options for 454,000, 465,000 and 414,000 shares, respectively, of common stock were excluded in computing diluted EPS because they were antidilutive.</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">98</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div align="left">
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="10" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year Ended March 31,</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(Dollars and share data in thousands, except per share data)</font></div>
</td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.4pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.4pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -5.4pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Basic EPS computation:</font></div>
</td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Numerator-net income (loss)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -5.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Denominator-weighted average</font></div>

<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: -5.4pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">common shares outstanding</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,318</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,341</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,721</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Basic EPS</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1.42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Diluted EPS computation:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Numerator-net income (loss)</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Denominator-weighted average</font></div>

<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">common shares outstanding</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,318</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,341</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,721</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Effect of dilutive stock options</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted average common shares</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" bgcolor="#cceeff">
<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">and common stock equivalents <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td align="right" valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,318</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,341</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" bgcolor="#cceeff"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" bgcolor="#cceeff" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,721</font></td>
<td nowrap valign="bottom" width="1%" bgcolor="#cceeff" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Diluted EPS</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1.42</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.24</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.51</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr></table>
</div>

<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="WIDTH: 27pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160; </font></div>
</td>
<td>
<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1) </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">For the year ended March 31, 2012 and 2010&#160;&#160;the Company recognized a net loss and therefore all outstanding stock options were excluded from the calculation of diluted earnings per share because they were antidilutive.</font></font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 32px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17.&#160;&#160;</font></div>
</td>
<td width="1535">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FAIR VALUE MEASUREMENT</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Fair Value Measurements and Disclosure topic of the FASB Accounting Standards Codification defines fair value and establishes a framework for measuring fair value in GAAP, and expands disclosures about fair value measurements.&#160;&#160;The following definitions describe the categories used in the tables presented under fair value measurement.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Quoted prices in active markets for identical assets (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date.&#160;&#160;An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Significant unobservable inputs (Level 3): Inputs that reflect the reporting entity's own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Financial instruments are broken down in the tables that follow by recurring or nonrecurring measurement status.&#160;&#160;Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, as a result of an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following tables present assets that are measured at fair value on a recurring basis (in thousands).</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="30%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;</font></div>
</td>
<td colspan="8" valign="bottom" width="32%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair value measurements at March 31, 2012, using</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="30%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair value</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Quoted prices in </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">active markets </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">for identical </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">observable </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">inputs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Significant </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">unobservable </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">inputs</font></div>
</td>
</tr><tr>
<td valign="bottom" width="30%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 1)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 2)</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 3)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Trust preferred</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Agency securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,999</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Municipal bonds</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">149</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">149</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities available for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate mortgage investment conduits</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">329</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">329</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FHLMC mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">636</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">636</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 36pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">FNMA mortgage-backed securities</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="30%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="30%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total recurring assets measured at fair value</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,288</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,122</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">99</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents a reconciliation of assets that are measured at fair value on a recurring basis using significant unobservable inputs (Level 3) during the year ended March 31, 2012 (in thousands). There were no transfers of assets in to or out of Level 3 for the year ended March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="92%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="69%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">For the Year Ended </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="69%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="15%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="69%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance at March 31, 2011</font></div>
</td>
<td valign="bottom" width="2%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="15%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
<td valign="bottom" width="14%" bgcolor="white"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="69%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Transfers in to Level 3</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="15%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="69%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Included in earnings<font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top"> (1)</font></font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="15%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="14%" bgcolor="white"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="69%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Included in other comprehensive income</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="15%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">250</font></div>
</td>
<td valign="bottom" width="14%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td valign="bottom" width="69%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Balance at March 31, 2012</font></div>
</td>
<td valign="bottom" width="2%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="15%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="bottom" width="14%" bgcolor="white"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="69%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="15%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="69%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1) </font><font style="DISPLAY: inline; FONT-SIZE: 10pt">Included in other non-interest income</font></font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="15%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="bottom" width="69%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="15%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="14%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following method was used to estimate the fair value of each class of financial instrument above:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Investments and Mortgage-Backed Securities </font>&#8211; Investment securities available-for-sale are included within Level 1 of the hierarchy when quoted prices in an active market for identical assets are available. The Company uses a third party pricing service to assist the Company in determining the fair value of its Level 2 securities, which incorporates pricing models and/or quoted prices of investment securities with similar characteristics. Our Level 3 assets consist of a single pooled trust preferred security.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">For Level 2 securities, the Company uses an independent pricing service to assist management in determining fair values of investment securities available-for-sale. This service provides pricing information by utilizing evaluated pricing models supported with market data information. Standard inputs include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data from market research publications. Investments securities that are deemed to have been trading in illiquid or inactive markets may require the use of significant unobservable inputs. The Company&#8217;s third-party pricing service has established processes for us to submit inquiries regarding quoted prices. The Company&#8217;s third-party pricing service will review the inputs to the evaluation in light of any new market data presented by us. The Company&#8217;s third-party pricing service may then affirm the original quoted price or may update the evaluation on a going forward basis.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management reviews the pricing information received from the third party-pricing service through a combination of procedures that include an evaluation of methodologies used by the pricing service, analytical reviews and performance analysis of the prices against statistics and trends and maintenance of an investment watch list. Based on this review, management determines whether the current placement of the security in the fair value hierarchy is appropriate or whether transfers may be warranted. As necessary, the Company compares prices received from the pricing service to discounted cash flow models or through performing independent valuations of inputs and assumptions similar to those used by the pricing service in order to ensure prices represent a reasonable estimate of fair value.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has determined that the market for its single trust preferred pooled security was inactive. This determination was made by the Company after considering the last known trade date for this specific security, the low number of transactions for similar types of securities, the low number of new issuances for similar securities, the significant increase in the implied liquidity risk premium for similar securities, the lack of information that is released publicly and discussions with third-party industry analysts. Due to the inactivity in the market, observable market data was not readily available for all significant inputs for this security. Accordingly, the trust preferred pooled security was classified as Level 3 in the fair value hierarchy. The Company utilized observable inputs where available, unobservable data and modeled the cash flows adjusted by an appropriate liquidity and credit risk adjusted discount rate using an income approach valuation technique in order to measure the fair value of the security. Significant unobservable inputs were used that reflect the Company&#8217;s assumptions of what a market participant would use to price the security. Significant unobservable inputs included selecting an appropriate discount rate, default rate and repayment assumptions. The Company estimated the discount rate by comparing rates for similarly rated corporate bonds, with additional consideration given to market liquidity. The default rates and repayment assumptions were estimated based on the individual issuer&#8217;s financial conditions, historical repayment information, as well as the Company&#8217;s future expectations of the capital markets.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">100</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table represents certain loans and REO, which were marked down to their fair value for the year ended March 31, 2012. The following assets are measured at fair value on a nonrecurring basis (in thousands).</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;</font></div>
</td>
<td colspan="8" valign="bottom" width="29%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair value measurements at March 31, 2012, using</font></div>
</td>
</tr><tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Quoted prices </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">in active </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">markets for </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">identical assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">observable </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">inputs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Significant </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">unobservable </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">inputs</font></div>
</td>
</tr><tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 1)</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;</font></div>
</td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 2)</font></div>
</td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;</font></div>
</td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 3)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans measured for impairment</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48,305</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">48,305</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate owned</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,078</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,078</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total nonrecurring assets measured at fair value</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61,383</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">61,383</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following table presents quantitative information about Level 3 inputs for financial instruments measured at fair value on a nonrecurring basis at March 31, 2012 (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Valuation </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.5pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">technique</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="21%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Significant unobservable inputs</font></div>
</td>
<td valign="top" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Range</font></div>
</td>
</tr><tr>
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans measured for impairment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Appraised value</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Adjustment for market conditions</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0% - 11%</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="20%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="21%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="20%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate owned</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Appraised value</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="21%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Adjustment for market conditions</font></div>
</td>
<td valign="bottom" width="2%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0% - 11%</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following method was used to estimate the fair value of each class of financial instrument above:</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Impaired loans </font>&#8211; A loan is considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. For information regarding the Company&#8217;s method for estimating the fair value of impaired loans, see Note 1 &#8211; Summary of Significant Accounting Policies &#8211; Allowance for Loan Losses.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In determining the net realizable value of the underlying collateral, we primarily rely on third party appraisals which may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available and include consideration for variations in location, size, and income production capacity of the property. Additionally, the appraisals are periodically further adjusted by the Company in consideration of charges that may be incurred in the event of foreclosure and are based on management&#8217;s historical knowledge, changes in business factors and changes in market conditions. There were no additional adjustments made by the Company to impaired loans measured at fair value at March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Impaired loans are reviewed and evaluated quarterly for additional impairment and adjusted accordingly, based on the same factors identified above. Because of the high degree of judgment required in estimating the fair value of collateral underlying impaired loans and because of the relationship between fair value and general economic conditions, we consider the fair value of impaired loans to be highly sensitive to changes in market conditions.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Real estate owned</font> &#8211; REO is real property that the Bank has taken ownership of in partial or full satisfaction of a loan or loans. REO is recorded at the lower of the carrying amount of the loan or fair value less estimated costs to sell. This amount becomes the property&#8217;s new basis. Any write downs based on the property&#8217;s fair value less estimated costs to sell at the date of acquisition are charged to the allowance for loan losses. Management periodically reviews REO in an effort to ensure the property is carried at the lower of its new basis or fair value, net of estimated costs to sell.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management considers third party appraisals in determining the fair value of particular properties. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available and include consideration for variations in location, size, and income production capacity of the property. Additionally, the appraisals are periodically further adjusted by the Company in consideration of charges that may be incurred in the event of foreclosure and are based on management&#8217;s historical knowledge, changes in business factors and changes in market conditions.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Management periodically reviews REO to ensure the property is carried at the lower of its new basis or fair value, net of estimated costs to sell. Any additional write-downs based on re-evaluation of the property fair value are charged to non-interest expense. Because of the high degree of judgment required in estimating the fair value of REO and because of the </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">101</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">relationship between fair value and general economic conditions, we consider the fair value of REO to be highly sensitive to changes in market conditions.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 31px">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.&#160;&#160;</font></div>
</td>
<td width="1536">
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FAIR VALUE OF FINANCIAL INSTRUMENTS</font></div>
</td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The following disclosure of the estimated fair value of financial instruments is made in accordance with applicable accounting standards. The Company, using available market information and appropriate valuation methodologies, has determined the estimated fair value amounts. However, considerable judgment is necessary to interpret market data in the development of the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in the future. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The estimated fair value of financial instruments is as follows (in thousands):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="bottom" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Carry Value</font></div>
</td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Quoted prices </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">in active </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">markets for </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">identical assets</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">observable </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">inputs</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Significant </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">unobservable </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">inputs</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value</font></div>
</td>
</tr><tr>
<td align="left" valign="bottom" width="28%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 1)</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;</font></div>
</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 2)</font></div>
</td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;</font></div>
</td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Level 3)</font></div>
</td>
<td valign="top" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2012</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,393</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,393</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">46,393</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit held for investment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,473</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,767</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41,767</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities held to maturity</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">493</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">542</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">542</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,314</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,148</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,166</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,314</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities held to maturity</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">171</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">177</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">177</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities available for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">974</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable, net</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">664,888</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">596,552</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">596,552</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans held for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">480</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">480</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">480</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Home Loan Bank stock</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage servicing rights</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">278</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">767</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">767</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Demand &#8211; savings deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">514,446</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
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</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">514,446</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">514,446</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Time deposits</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">230,009</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">231,631</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">231,631</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Junior subordinated debentures</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,831</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,831</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;</font></div>
</td>
<td colspan="8" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31, 2011</font></div>
</td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">51,752</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certificates of deposit held for investment</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">14,900</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,006</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15,006</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities held to maturity</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">506</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">556</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">556</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment securities available for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,320</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,404</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">916</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">6,320</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities held to maturity</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">199</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage-backed securities available for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,777</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,777</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,777</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans receivable, net</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">672,609</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">575,027</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">575,027</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Loans held for sale</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">173</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">173</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">173</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Federal Home Loan Bank stock</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,350</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Mortgage servicing rights</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">396</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">970</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">970</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="bottom" width="28%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Demand &#8211; savings deposits</font></div>
</td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">453,380</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">453,380</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">453,380</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0.7pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Time deposits</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">263,150</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">265,079</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">265,079</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="28%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Junior subordinated debentures</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,574</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">13,574</font></div>
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<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">102</font></div>

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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Fair value estimates were based on existing financial instruments without attempting to estimate the value of anticipated future business. The fair value was not estimated for assets and liabilities that were not considered financial instruments.</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Fair value estimates, methods and assumptions are set forth below.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Cash</font><font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>- Fair value approximates the carrying amount.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Certificates of Deposit held for investment </font>&#8211; The fair value of certificates of deposit with stated maturity was based on the discounted value of contractual cash flows. The discount rate was estimated using rates currently available in the local market.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Investments and Mortgage-Backed Securities </font>&#8211; Fair values were based on quoted market rates and dealer quotes. The fair value of the trust preferred investment was determined using a discounted cash flow method (see also Note 17 &#8211; Fair Value Measurements).</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Loans Receivable and Loans Held for Sale</font> &#8211; Performing and noncriticized loans were priced using a discounted cash flow analysis. Nonperforming and criticized loans were priced using comparable market statistics. The nonperforming and criticized loan portfolio was segregated and a weighted average valuation discount that approximated similar loan sales was applied to each of these categories. The fair value of loans held for sale was based on the loans carrying value as the agreements to sell these loans are short term fixed rate commitments and no material difference between the carrying value is likely.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Mortgage Servicing Rights</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman"> -</font><font style="FONT-STYLE: italic; DISPLAY: inline">&#160;</font>The fair value of MSRs was determined using the Company&#8217;s model, which incorporates the expected life of the loans, estimated cost to service the loans, servicing fees received and other factors. The Company calculates MSRs fair value by stratifying MSRs based on the predominant risk characteristics that include the underlying loan&#8217;s interest rate, cash flows of the loan, origination date and term. Key economic assumptions that vary due to changes in market interest rates are used to determine the fair value of the MSRs and include expected prepayment speeds, which impact the average life of the portfolio, annual service cost, annual ancillary income and the discount rate used in valuing the cash flows. At March 31, 2012, the MSRs fair value totaled $767,000 which was estimated using a range of prepayment speed assumptions values that ranged from 110 to 781.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Deposits</font> - The fair value of deposits with no stated maturity such as non-interest-bearing demand deposits, interest checking, money market and savings accounts was equal to the amount payable on demand. The fair value of time deposits with stated maturity was based on the discounted value of contractual cash flows. The discount rate was estimated using rates currently available in the local market.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-WEIGHT: bold">Junior Subordinated Debentures</font> - The fair value of the Debentures was based on the discounted cash flow method. Management believes that the discount rate utilized is indicative of those that would be used by market participants for similar types of debentures.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-WEIGHT: bold">Off-Balance Sheet Financial Instruments</font> - The estimated fair value of loan commitments approximates fees recorded associated with such commitments as of March 31, 2012 and 2011. Since the majority of the Bank&#8217;s off-balance-sheet instruments consist of non-fee producing, variable rate commitments, the Bank has determined they do not have a distinguishable fair value.</font></div>

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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">COMMITMENTS AND CONTINGENCIES</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is a 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 generally include commitments to originate mortgage, commercial and consumer loans. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company&#8217;s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. Commitments to originate loans are conditional, and are honored for up to 45 days subject to the Company&#8217;s usual terms and conditions. Collateral is not required to support commitments. At March 31, 2012, the Company had outstanding commitments to extend credit totaling $22.5 million, unused lines of credit totaling $55.4 million and undisbursed construction loans totaling $7.1 million.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily used to support public and private borrowing arrangements. The credit risk </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Collateral held varies as specified above, and is required in instances where the Bank deems necessary. At March 31, 2012 and 2011, standby letters of credit totaled $1.1 million.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In connection with certain asset sales, the Bank typically makes representation and warranties about the underlying assets conforming to specified guidelines. If the underlying assets do not conform to the specifications, the Bank may have an obligation to repurchase the assets or indemnify the purchaser against loss. As of March 31, 2012, loans under warranty totaled $90.7 million, which substantially represents the unpaid principal balance of the Bank&#8217;s loans serviced for FHLMC. The Bank believes that the potential for loss under these arrangements is remote. Accordingly, no contingent liability is recorded in the Consolidated Financial Statements. At March 31, 2012, the Company had firm commitments to sell $1.6 million of residential loans to FHLMC. Typically, these agreements are short term fixed rate commitments and no material gain or loss is likely.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank is a public depository and, accordingly, accepts deposit and other public funds belonging to, or held for the benefit of, Washington and Oregon states, political subdivisions thereof and, municipal corporations.&#160;&#160;In accordance with applicable state law, in the event of default of a participating bank, all other participating banks in the state collectively assure that no loss of funds are suffered by any public depositor.&#160;&#160;Generally, in the event of default by a public depositary, the assessment attributable to all public depositaries is allocated on a pro rata basis in proportion to the maximum liability of each depository as it existed on the date of loss.&#160;&#160;The Company has not incurred any losses related to public depository funds for the years ended March 31, 2012, 2011 and 2010.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company is party to litigation arising in the ordinary course of business. In the opinion of management, these actions will not have a material adverse effect, if any, on the Company&#8217;s financial position or results of operations.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Bank has entered into employment contracts with certain key employees, which provide for contingent payment subject to future events.</font></div>

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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">20.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. (PARENT COMPANY)</font></div>
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<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">BALANCE SHEETS</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">MARCH 31, 2012 AND 2011</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="76%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(In thousands)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
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<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
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<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">ASSETS</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Cash and cash equivalents (including interest earning accounts of</font></div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;$2,856 and $4,000)</font></div>
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<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,904</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,059</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Investment in the Bank</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">96,348</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">116,750</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Real estate owned &#8211; held for investment</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,328</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other assets</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,694</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,808</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL ASSETS</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100,946</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">130,945</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued expenses and other liabilities</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,658</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,305</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Deferred income taxes</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">15</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Borrowings</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">22,681</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Shareholders' equity</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">75,607</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">106,944</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="76%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">TOTAL LIABILITIES AND SHAREHOLDERS&#8217; EQUITY</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">100,946</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">130,945</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div align="center">
<table cellpadding="0" cellspacing="0" width="95%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">STATEMENTS OF OPERATIONS</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">YEARS ENDED MARCH 31, 2012, 2011 AND 2010</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td align="left" valign="bottom" width="64%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(In thousands)</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">INCOME:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td colspan="2" valign="bottom" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dividend income from Bank</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">300</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on investment securities and other short-term investments</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">40</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">44</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">37</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest on loan receivable from the Bank</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">59</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">68</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">77</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total income</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">99</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">414</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">EXPENSE:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Management service fees paid to the Bank</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">142</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">143</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">143</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other expenses</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,624</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,316</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,318</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total expense</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,766</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,459</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,461</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">LOSS BEFORE INCOME TAXES AND EQUITY</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">IN UNDISTRIBUTED INCOME (LOSS) OF THE BANK</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,667 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,347 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,047 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">PROVISION <font style="DISPLAY: inline; FONT-WEIGHT: bold">(</font>BENEFIT<font style="DISPLAY: inline; FONT-WEIGHT: bold">)</font> FOR INCOME TAXES</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">81</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(458 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(458 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">LOSS OF PARENT COMPANY</font></div>
</td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(3,748 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(889 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(589 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 2px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">EQUITY IN UNDISTRIBUTED INCOME (LOSS) OF THE BANK</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(27,909 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,204</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(4,855 </font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="64%" style="PADDING-BOTTOM: 4px">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INCOME (LOSS)</font></div>
</td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="1%" style="PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double; TEXT-ALIGN: right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></td>
<td nowrap valign="bottom" width="1%" style="TEXT-ALIGN: left; PADDING-BOTTOM: 4px"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">105</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC. (PARENT COMPANY)</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">STATEMENTS OF CASH FLOWS</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">YEARS ENDED MARCH 31, 2012, 2011 AND 2010</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="top" width="43%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(In thousands)</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH FLOWS FROM OPERATING ACTIVITIES:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net income (loss)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(31,657</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,315</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,444</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Adjustments to reconcile net income (loss) cash provided by</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(used in) operating activities:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity in undistributed (earnings) loss of the Bank</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">27,909</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(5,204</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,855</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision (benefit) for deferred income taxes</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(15</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(7</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Writedown of real estate owned</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,997</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Earned ESOP shares</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">62</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">64</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">73</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Stock based compensation</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">12</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">77</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Changes in assets and liabilities</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Other assets</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">114</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(43</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(413</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Accrued expenses and other liabilities</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,382</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,209</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(91</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by (used in) operating activities</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(196</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">428</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(915</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH FLOWS FROM INVESTING ACTIVITIES:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;Purchase of real estate held for investment</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8,328</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;Proceeds from sale of real estate owned</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,041</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;Additional investment in subsidiary</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2,000</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(7,000</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;Net cash used in investing activities</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(959</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(15,328</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH FLOWS FROM FINANCING ACTIVITIES:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Proceeds from issuance of common stock, net</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,769</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 27pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net cash provided by financing activities</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">18,769</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1,155</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3,869</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(915</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR</font></div>
</td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,059</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,105</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">CASH AND CASH EQUIVALENTS, END OF YEAR</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,904</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4,059</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">190</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td valign="top" width="43%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">NONCASH INVESTING AND FINANCING ACTIVITIES:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="43%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Transfer of real estate owned</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">5,290</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -0.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: -0.35pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr></table>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div id="PGBRK" style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt">
<div id="FTR">
<div id="GLFTR" style="WIDTH: 100%" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>

<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">106</font></div>

<div style="TEXT-ALIGN: center; WIDTH: 100%">
<hr style="COLOR: black" noshade size="2">
</div>
</div>

<div id="HDR">
<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
</div>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">RIVERVIEW BANCORP, INC.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED):</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="31%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -6.3pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(Dollars in thousands, except share data)</font></div>
</td>
<td colspan="14" valign="top" width="47%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Three Months Ended</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr>
<td valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">March 31</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">September 30</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">June 30</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fiscal 2012:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest income</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,310</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,829</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,965</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,428</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,295</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,442</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,530</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,598</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,015</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,387</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,435</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,830</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">17,500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,100</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,200</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,550</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,561</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,530</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,832</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,904</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,229</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,192</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,845</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,157</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income before income taxes</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(16,153</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(8,375</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">222</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,027</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for income taxes</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(196</font></div>
</td>
<td align="left" valign="top" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,220</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">41</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">313</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160; Net income (loss) <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(2)</font></font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(15,957</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(16,595</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">181</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">714</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Basic earnings (loss) per share <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.71</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.74</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.01</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.03</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Diluted earnings (loss) per share <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.71</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(0.74</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.01</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.03</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fiscal 2011:</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 9pt; DISPLAY: block; MARGIN-LEFT: 9pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest income</font></div>
</td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,388</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,733</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10,789</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11,304</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Interest expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,701</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,926</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,139</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,286</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Net interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,687</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,807</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,650</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">9,018</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for loan losses</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,600</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,675</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,300</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest income</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,739</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,864</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,050</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,236</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Non-interest expense</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,566</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8,253</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,412</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">7,265</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Income before income taxes</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,360</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">818</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,613</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2,689</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 18pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Provision for income taxes</font></div>
</td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">506</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">239</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">496</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">924</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Net income</font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">854</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">579</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,117</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1,765</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr bgcolor="white">
<td align="left" valign="bottom" width="31%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Basic earnings per share <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
</td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.04</font></div>
</td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">$</font></div>
</td>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.06</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.16</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="bottom" width="31%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td align="right" valign="bottom" width="7%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="left" valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td align="right" valign="bottom" width="9%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Diluted earnings per share <font style="DISPLAY: inline; FONT-SIZE: 70%; VERTICAL-ALIGN: text-top">(1)</font></font></div>
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<td align="right" valign="bottom" width="7%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.04</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.03</font></div>
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<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
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<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.06</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="left" valign="bottom" width="1%" style="BORDER-BOTTOM: black 4px double">
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<td align="right" valign="bottom" width="9%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">0.16</font></div>
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<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<td valign="top" width="3%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(1)&#160;</font></td>
<td valign="top" width="97%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Quarterly earnings per share may vary from annual earnings per share due to rounding.&#160;</font></td>
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<td valign="top" width="97%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td valign="top" width="3%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(2)&#160;</font></td>
<td valign="top" width="97%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Increase in the quarter-ended December 31, 2011 due to the increase in the allowance for loan losses and the establishment of a valuation allowance on deferred tax assets. Increase in the quarter-ended March 31, 2012 due to the increase in the allowance for loan losses.&#160;</font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Not Applicable</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 9A. Controls and Procedures</font></font></div>

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<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(a) <font style="DISPLAY: inline; TEXT-DECORATION: underline">Evaluation of Disclosure Controls and Procedures</font>:&#160;&#160;We maintain a system of disclosure controls and procedures (as defined in Rule 13(a)-15(e) under the Securities Exchange Act (the "Exchange Act")) that is designed to provide reasonable assurance that information required to be disclosed by us in the reports that we file under the Exchange Act is recorded, processed, summarized and reported accurately and within the time periods specified in the SEC's rules and forms, and that such information is accumulated and communicated to our management, including our principal executive officer and principal financial officer, as appropriate. An evaluation of the Company&#8217;s disclosure controls and procedures was carried out under the supervision and with the participation of the Company&#8217;s Chief Executive Officer, Chief Financial Officer and several other members of the Company&#8217;s senior management as of the end of the period covered by this report.&#160;&#160;The Company&#8217;s Chief Executive Officer and Chief Financial Officer concluded that the Company&#8217;s disclosure controls and procedures as in effect on March 31, 2012, were not effective because of the material weakness in our internal control over financial reporting, as described below.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company does not expect that its disclosure controls and procedures and internal control over financial reporting will prevent all error and all fraud. A control procedure, no matter how well conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control procedure are met. Because of the inherent limitations in </font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">all control procedures, no evaluation of controls can provide absolute assurance that all control issues and instances of fraud, if any, within the Company have been detected. These inherent limitations include the realities that judgments in decision-making can be faulty, and that breakdowns can occur because of simple error or mistake. Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or by management override of the control. The design of any control procedure also is based in part upon certain assumptions about the likelihood of future events, and there can be no assurance that any design will succeed in achieving its stated goals under all potential future conditions; over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies or procedures may deteriorate. Because of the inherent limitations in a cost-effective control procedure, misstatements due to error or fraud may occur and not be detected.</font></div>

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<div style="TEXT-INDENT: 36pt; MARGIN-LEFT: 9pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(b)</font><font id="TAB2" style="LETTER-SPACING: 9pt; COLOR: black">&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Management&#8217;s Annual Report on Internal Control Over Financial Reporting:</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The management of Riverview Bancorp, Inc. is responsible for establishing and maintaining adequate internal control over financial reporting.&#160;&#160;This internal control system has been designed to provide reasonable assurance to the Company&#8217;s management and board of directors regarding the preparation and fair presentation of the company&#8217;s published financial statements.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">All internal control systems, no matter how well designed, have inherent limitations.&#160;&#160;Therefore, even those systems determined to be effective can provide only reasonable assurance with respect to financial statement preparation and presentation.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">A material weakness is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a reasonable possibility that a material misstatement of the Company&#8217;s annual or interim financial statements will not be prevented or detected on a timely basis. Management has concluded that, as of March 31, 2012, a material weakness existed related to the timely monitoring, documentation and valuation of loans. The Company has since taken steps to correct these control deficiencies, including the implementation of tracking systems to identify required loan reviews and the receipt of appraisals.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The management of Riverview Bancorp, Inc. has assessed the effectiveness of the Company&#8217;s internal control over financial reporting as of March 31, 2012.&#160;&#160;To make the assessment, we used the criteria for effective internal control over financial reporting described in Internal Control &#8211; Integrated Framework, issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on our assessment, we have concluded that, as of March 31, 2012, the Company&#8217;s internal control over financial reporting were not effective based on those criteria.</font></div>

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<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(c) <font style="DISPLAY: inline; TEXT-DECORATION: underline">Changes in Internal Controls</font>:&#160;&#160;Changes in the Company&#8217;s internal controls over financial reporting that have materially affected, or are reasonably likely to materially affect, the Company&#8217;s internal control over financial reporting, were made subsequent to the quarter ended March 31, 2012, and have been described above. There were no other changes in the Company&#8217;s internal control over financial reporting during the Company&#8217;s most recently completed fiscal quarter that has materially affected, or is reasonably likely to materially affect, the Company&#8217;s internal control over financial reporting.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 9B. Other Information</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There was no information to be disclosed by the Company in a report on Form 8-K during the fourth quarter of fiscal year 2012 that was not so disclosed.</font></div>

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<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">PART III</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 10.&#160;&#160;Directors, Executive Officers and Corporate Governance</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The information contained under the section captioned "Proposal I - Election of Directors" contained in the Company's Proxy Statement for the 2012 Annual Meeting of Stockholders, and "Part I -- Business -- Personnel -- Executive Officers" of this Form 10-K, is incorporated herein by reference.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Section 16(a) Beneficial Ownership Reporting Compliance.</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The information concerning compliance with the reporting requirements of Section 16(a) of the Securities Exchange Act of 1934 by directors, officers and ten percent stockholders of the Company required by this item is incorporated herein by reference from the Company&#8217;s Proxy Statement for the 2012 Annual Meeting of Stockholders.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Code of Ethics</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">In December 2003, the Board of Directors adopted the Officer and Director Code of Ethics.&#160;&#160;The code is applicable to each of the Company&#8217;s officers, including the principal executive officer and senior financial officers, and requires individuals to maintain the highest standards of professional conduct.&#160;&#160;A copy of the Code of Ethics is available on the Company&#8217;s website at <font style="DISPLAY: inline; TEXT-DECORATION: underline">www.riverviewbank.com</font>.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Audit Committee Matters and Audit Committee Financial Expert</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The Company has a separately-designated standing Audit Committee, composed of Directors Edward R. Geiger, Bess R. Wills and Jerry C. Olson.&#160;&#160;Each member of the Audit Committee is &#8220;independent&#8221; as defined in the Nasdaq Stock Market Listing Standards.&#160;&#160;The Company&#8217;s Board of Directors has Mr. Geiger, Audit Committee Chairman, as its financial expert, as defined in SEC&#8217;s Regulation S-K.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Nomination Procedures</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">There have been no material changes to the procedures by which shareholders may recommend nominees to the Company&#8217;s Board of Directors.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 11.&#160;&#160;Executive Compensation</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The information set forth under the sections captioned "Executive Compensation" and "Directors' Compensation" under "Proposal I - Election of Directors" in the Company&#8217;s Proxy Statement for the 2012 Annual Meeting of Stockholders (excluding the information contained under the heading &#8220;Personnel/Compensation Committee Report,&#8221;) is incorporated herein by reference.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 12.&#160;&#160;Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The information set forth under the caption "Security Ownership of Certain Beneficial Owners and Management" in the Company&#8217;s Proxy Statement for the 2012 Annual Meeting of Stockholders is incorporated herein by reference.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Equity Compensation Plan Information.</font>&#160;&#160;The following table summarizes share and exercise price information about the Company&#8217;s equity compensation plan as of March 31, 2012.</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td align="left" valign="bottom" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Plan category</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="9%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities to be </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">issued upon </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">exercise of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">outstanding </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">options</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="8%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Weighted-</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">average&#160;&#160;</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">price of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">outstanding </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">options</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td colspan="2" valign="bottom" width="11%" style="BORDER-BOTTOM: black 2px solid">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Number of </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">remaining </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">available for future </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">issuance under </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">equity </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">compensation </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">plans excluding </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">securities reflected </font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">in column (A)</font></div>
</td>
</tr><tr>
<td valign="top" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity compensation plans approved by security holders:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 8.65pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(A)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 8.65pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(B)</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 8.65pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">(C)</font></div>
</td>
</tr><tr bgcolor="white">
<td align="left" valign="top" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2003 Stock Option Plan</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">328,000</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;8.35</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">102,154</font></div>
</td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1998 Stock Option Plan</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">112,500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">8.29</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Equity compensation plans not approved by security holders:</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="8%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="10%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">-</font></div>
</td>
</tr><tr bgcolor="white">
<td valign="top" width="36%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="bottom" width="6%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="10%" style="BORDER-BOTTOM: black 2px solid"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
</tr><tr bgcolor="#cceeff">
<td align="left" valign="top" width="36%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Total</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="3%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="bottom" width="6%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">440,500</font></div>
</td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="1%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td align="right" valign="top" width="10%" style="BORDER-BOTTOM: black 4px double">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="right"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">102,154</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 13.&#160;&#160;Certain Relationships and Related Transactions, and Director Independence</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The information set forth under the headings &#8220;Related Party Transactions&#8221; and &#8220;Director Independence&#8221; in the Company&#8217;s Proxy Statement for the 2012 Annual Meeting of Stockholders is incorporated herein by reference.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 14.&#160;&#160;Principal Accountant Fees and Services</font></font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: -9.35pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The information set forth under the section captioned &#8220;Independent Auditor&#8221; in the Company&#8217;s Proxy Statement for the 2012 Annual Meeting of Stockholders (excluding the information contained under the heading of &#8220;Report of the Audit Committee&#8221;) is incorporated herein by reference.</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Item 15.&#160;&#160;Exhibits and Financial Statement Schedules</font></font></div>

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<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(a)&#160;&#160;&#160;&#160;&#160;1.&#160;&#160;Financial Statements</font></div>

<div style="TEXT-INDENT: 36pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font id="TAB1" style="MARGIN-LEFT: 37.45pt"></font>See &#8220;Part II &#8211;Item 8. Financial Statements and Supplementary Data.&#8221;</font></div>

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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Financial Statement Schedules</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 72pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">All schedules are omitted because they are not required or applicable, or the required information is shown in the consolidated financial statements or the notes thereto.</font></div>

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<div style="TEXT-ALIGN: right; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.&#160;&#160;&#160; </font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibits</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.1</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">3.2</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Bylaws of the Registrant (1)</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">4</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.1</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Form of Employment Agreement between the Bank and each of Patrick Sheaffer, Ronald A. Wysaske, David A. Dahlstrom and John A. Karas (2)</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.2</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Employee Severance Compensation Plan (3)</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.3</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Employee Stock Ownership Plan (4)</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.4</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">1998 Stock Option Plan (5)</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.5</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">2003 Stock Option Plan (6)</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.6</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Form of Incentive Stock Option Award Pursuant to 2003 Stock Option Plan (7)</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">10.7</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Form of Non-qualified Stock Option Award Pursuant to 2003 Stock Option Plan (7)</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">11</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Statement of recomputation of per share earnings (See Note 16 of the Notes to Consolidated Financial Statements contained herein.)</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">21</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Subsidiaries of Registrant (8)</font></div>
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<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">23</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consent of Independent Registered Public Accounting Firm</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31.1</font></div>
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<div style="TEXT-INDENT: -18pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160; Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">31.2</font></div>
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<div style="TEXT-INDENT: -9pt; DISPLAY: block; MARGIN-LEFT: 27pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act</font></div>
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<td valign="top" width="8%"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160; </font></td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">32</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certification of Chief Executive Officer and Chief Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act</font></div>
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<table cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<td valign="top" width="8%">&#160;</td>
<td valign="top" width="12%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 5.8pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">101</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify">
<div style="TEXT-ALIGN: justify; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The following materials from Riverview Bancorp Inc.&#8217;s Annual Report on Form 10-K for the year ended March 31, 2012, formatted on Extensible Business Reporting Language (XBRL) (a) Consolidated Balance Sheets as of March 31, 2012 and 2011; (b) Consolidated Statements of Operations for the Years Ended March 31, 2012, 2011 and 2010; (c) Consolidated Statements of Comprehensive Income (Loss) for the Years Ended March 31, 2012, 2011 and 2010 (d) Consolidated Statements of Equity for the Years Ended March 31, 2012, 2011 and 2010 (e) Consolidated Statements of Cash Flows for the Years Ended March 31, 2012, 2011 and 2010; and (f) Notes to Consolidated Financial Statements (9)</font></font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(1)</font></div>
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<td>
<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant's Registration Statement on Form S-1 (Registration No. 333-30203), and incorporated herein by reference.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(2)</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant&#8217;s Current Report on Form 8-K filed with the SEC on September 18, 2007, and incorporated herein by reference.</font></div>
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<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(3)</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant&#8217;s Quarterly Report on Form 10-Q for the quarter ended September 30, 1997, and incorporated herein by reference.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(4)</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant's Annual Report on Form 10-K for the year ended March 31, 1998, and incorporated herein by reference.</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant&#8217;s Registration Statement on Form S-8 (Registration No. 333-66049), and incorporated herein by reference.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(6)</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant&#8217;s Definitive Annual Meeting Proxy Statement (000-22957), filed with the Commission on June 5, 2003, and incorporated herein by reference.</font></div>
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<table align="center" border="0" cellpadding="0" cellspacing="0" id="hangingindent" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(7)</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant&#8217;s Quarterly Report on Form 10-Q for the quarter ended December 31, 2005, and incorporated herein by reference.</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">(8)</font></div>
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<div align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Filed as an exhibit to the Registrant&#8217;s Annual Report on Form 10-K for the year ended March 31, 2007, and incorporated herein by reference.</font></div>
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<div id="GLHDR" style="WIDTH: 100%" align="right"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">&#160; </font></div>
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<div>&#160;</div>

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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">RIVERVIEW BANCORP, INC.&#160;</font></td>
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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&#160;</div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div>&#160;</div>

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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="TEXT-DECORATION: underline">/s/ Patrick Sheaffer</font></font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Patrick Sheaffer&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Chief Executive Officer</font></font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Kevin J. Lycklama&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">June 15, 2012&#160;&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">June 15, 2012&#160;&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="TEXT-DECORATION: underline">/s/Edward R. Geiger</font></font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gary R. Douglass&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Director&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">June 15, 2012&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">June 15, 2012&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:&#160;</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Michael D. Allen</font></font></div>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<div align="justify"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Jerry C. Olson</font></font></div>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Director</font></td>
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<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Director&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Gerald L. Nies</font></font></div>

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<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td width="6%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;</font></td>
<td width="44%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">June 15, 2012&#160;</font></td>
<td width="5%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="45%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<div id="PN" style="PAGE-BREAK-AFTER: always; WIDTH: 100%">
<div style="TEXT-ALIGN: center; WIDTH: 100%"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">111</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">EXHIBIT INDEX</font></div>

<div>&#160;</div>

<div align="center">
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibit 23&#160;</font></td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Consent of Independent Registered Public Accounting Firm&#160;</font></td>
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibit 31.1</font></td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certification of Chief Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002&#160;</font></td>
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibit&#160;31.2&#160;</font></td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certification of Chief Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002&#160;</font></td>
</tr><tr>
<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibit&#160;32&#160;</font></td>
<td valign="top" width="91%">
<div align="justify"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Certification of Chief Executive Officer and Chief Financial Officer Pursuant to 18 U.S.C. 1350 as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002</font></font></div>
</td>
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<div>
<table bgcolor="white" cellpadding="0" cellspacing="0" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr>
<td valign="top" width="9%">&#160;</td>
<td valign="top" width="91%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
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<td valign="top" width="9%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Exhibit&#160;101</font></td>
<td valign="top" width="91%">
<div align="justify">
<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">The following materials from Riverview Bancorp Inc.&#8217;s Annual Report on Form 10-K for the year ended March 31, 2012, formatted on Extensible Business Reporting Language (XBRL) (a) Consolidated Balance Sheets as of March 31, 2012 and 2011; (b) Consolidated Statements of Operations for the Years Ended March 31, 2012, 2011 and 2010; (c) Consolidated Statements of Comprehensive Income (Loss) for the Years Ended March 31, 2012, 2011 and 2010 (d) Consolidated Statements of Equity for the Years Ended March 31, 2012, 2011 and 2010 (e) Consolidated Statements of Cash Flows for the Years Ended March 31, 2012, 2011 and 2010; and (f) Notes to Consolidated Financial Statements</font></font></font></div>
</div>
</td>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block"><font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">112</font>

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<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>2
<FILENAME>riv10k2012exh23.htm
<DESCRIPTION>EXHIBIT 23
<TEXT>
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&#160;

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font id="TAB1" style="MARGIN-LEFT: 27pt"></font>Exhibit 23</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">&#160;</font></div>

<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-WEIGHT: bold">Consent of Independent Registered Public Accounting Firm</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">We consent to the incorporation by reference in Registration Statement Nos. 333-66049, 333-38887, and 333-109894 on Form S-8 of our report dated June 15, 2012, relating to the consolidated financial statements of Riverview Bancorp, Inc. and subsidiary, appearing in this Annual Report on Form 10-K of Riverview Bancorp, Inc. and subsidiary for the year ended March 31, 2012.</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">/s/ Deloitte &amp; Touche LLP</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">Portland, Oregon</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">June 15, 2012</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left">&#160;</div>

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<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt"><font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">113</font>

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<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>3
<FILENAME>riv10k2012exh311.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
<html>
<head>
    <title>riv10k2012exh311.htm</title>
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<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">
<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Exhibit 31.1</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Certification Required</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">By Rules 13a-14(a) and 15d-14(a) under the Securities Exchange Act of 1934</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">I, Patrick Sheaffer, certify that:</font></div>

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<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">I have reviewed this Annual Report on Form 10-K of Riverview Bancorp, Inc.;</font></div>
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</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 36pt">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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;</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 36pt">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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;</font></div>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 36pt">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">4.&#160;&#160;</font></div>
</td>
<td>
<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officers 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 control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">a)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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 annual report is being prepared;</font></div>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
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<tr valign="top">
<td align="right" style="WIDTH: 63pt">
<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">b)&#160;&#160;</font></div>
</td>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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;</font></div>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
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<tr valign="top">
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">c)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">evaluated the effectiveness of the registrant&#8217;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</font></div>
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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
<tr valign="top">
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">d)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fiscal fourth quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</font></div>
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<div>
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<tr valign="top">
<td style="TEXT-ALIGN: left; WIDTH: 36pt">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">5.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of registrant&#8217;s board of directors (or persons performing the equivalent functions):</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">all significant deficiencies and material weakness in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial data information; and</font></div>
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">b)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</font></div>
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;&#160;June 15, 2012&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:&#160; <font style="TEXT-DECORATION: underline">/s/ Patrick Sheaffer</font></font></td>
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="50%">
<div><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Patrick Sheaffer<font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></font></div>

<div><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160; Chairman of the Board&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></font><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></font></div>
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<font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">114</font></div>

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<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>4
<FILENAME>riv10k2012exh312.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<html>
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    <title>riv10k2012exh312.htm</title>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="DISPLAY: inline; TEXT-DECORATION: underline">Exhibit 31.2</font></font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Certification Required</font></div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt; FONT-WEIGHT: bold">By Rules 13a-14(a) and 15d-14(a) under the Securities Exchange Act of 1934</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">I, Kevin J. Lycklama, certify that:</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block">
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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">I have reviewed this Annual Report on Form 10-K of Riverview Bancorp, Inc.;</font></div>
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<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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;</font></div>
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<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">3.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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;</font></div>
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<div style="TEXT-INDENT: 0pt; DISPLAY: block"><br>
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<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<td style="TEXT-ALIGN: left; WIDTH: 36pt">
<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">4.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officers 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 control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</font></div>
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">a)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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 annual report is being prepared;</font></div>
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<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">b)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">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;</font></div>
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</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">c)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">evaluated the effectiveness of the registrant&#8217;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</font></div>
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<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">d)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fiscal fourth quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting; and</font></div>
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</div>

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<div style="TEXT-ALIGN: left"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">5.&#160;&#160;</font></div>
</td>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The registrant&#8217;s other certifying officers and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of registrant&#8217;s board of directors (or persons performing the equivalent functions):</font></div>
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">a)&#160;&#160;</font></div>
</td>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">all significant deficiencies and material weakness in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial data information; and</font></div>
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</div>

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</div>

<div>
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">b)&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting.</font></div>
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</div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Date:&#160;&#160;June 15, 2012&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">By:&#160; <font style="TEXT-DECORATION: underline">/s/&#160;<font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Kevin J. Lycklama</font></font></font></td>
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="50%">
<div><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Kevin J. Lycklama</font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></font></div>

<div><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Chief Financial Officer&#160;</font><font style="DISPLAY: inline; FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></font></div>
</td>
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<br>
</div>

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<div style="TEXT-ALIGN: center; TEXT-INDENT: 0pt; DISPLAY: block"><font style="FONT-FAMILY: Times New Roman; FONT-SIZE: 8pt">115</font>

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<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>5
<FILENAME>riv10k2012exh32.htm
<DESCRIPTION>EXHIBIT 32
<TEXT>
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    <title>riv10k2012exh32.htm</title>
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<body bgcolor="#ffffff" style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">
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&#160;</div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">18 U.S.C. 1350,</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">AS ADOPTED PURSUANT TO</font></div>

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<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="center"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</font></div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block; MARGIN-LEFT: 18pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">The undersigned herby certifies in his capacity as an officer of Riverview Bancorp, Inc. (the &#8220;Company&#8221;) pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley act of 2002 and in connection with this Annual Report on Form 10-K that:</font></div>

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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">1.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">the report fully complies with the requirements of Sections 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, and</font></div>
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</div>

<div>
<table cellpadding="0" cellspacing="0" id="list" width="100%" style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt; FONT-SIZE: 10pt; FONT-FAMILY: times new roman">
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<div><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">2.&#160;&#160;</font></div>
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<div style="TEXT-INDENT: 0pt; MARGIN-LEFT: 0pt; MARGIN-RIGHT: 0pt" align="justify"><font style="DISPLAY: inline; FONT-FAMILY: Times New Roman; FONT-SIZE: 10pt">the information contained in the report fairly presents, in all material respects, the Company&#8217;s financial condition and results of operations as of the dates and for the periods presented in the financial statements included in such report.</font></div>
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</div>

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</div>

<div style="TEXT-INDENT: 0pt; DISPLAY: block">&#160;</div>

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</div>

<div>&#160;</div>

<div align="center">
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<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="TEXT-DECORATION: underline">/s/ Patrick Sheaffer&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt"><font style="TEXT-DECORATION: underline">/s/ Kevin J. Lycklama&#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></td>
</tr><tr>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Patrick Sheaffer&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Kevin J. Lycklama&#160;</font></td>
</tr><tr>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Chief Executive Officer&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Chief Financial Officer&#160;</font></td>
</tr><tr>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">&#160;</font></td>
</tr><tr>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dated:&#160;&#160;June 15, 2012&#160;&#160;</font></td>
<td width="50%"><font style="FONT-FAMILY: times new roman; FONT-SIZE: 10pt">Dated:&#160;&#160;June 15, 2012&#160;&#160;</font></td>
</tr></table>
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>7
<FILENAME>rvsb-20120331.xml
<DESCRIPTION>EXHIBIT 101-INS
<TEXT>
<XBRL>
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	<us-gaap:AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax unitRef='USD' contextRef='D110401_120331_StEqComps-StockholdersEqTotal' decimals='-3'>246000</us-gaap:AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax>
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	<us-gaap:SignificantAccountingPoliciesTextBlock contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39&quot; style=&quot;text-align:left; width:29.3pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;1.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1532&quot; style=&quot;text-align:left; width:1149pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Principles of Consolidation&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The accompanying consolidated financial statements include the accounts of Riverview Bancorp, Inc. (the &amp;#147;Company&amp;#148;); its wholly-owned subsidiary, Riverview Community Bank (the &amp;#147;Bank&amp;#148;); the Bank&amp;#146;s wholly-owned subsidiary, Riverview Services, Inc.; and the Bank&amp;#146;s majority owned subsidiary, Riverview Asset Management Corp. (&amp;#147;RAMCorp&amp;#148;). All inter-company transactions and balances have been eliminated in consolidation.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company has also established two subsidiary grantor trusts in connection with the issuance of trust preferred securities (see Note 11). In accordance with accounting standards, the accounts and transactions of the trusts are not included in the accompanying consolidated financial statements.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Nature of Operations&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The Bank is a seventeen branch community-oriented financial institution operating in rural and suburban communities in southwest Washington State and Multnomah and Marion counties of Oregon. The Bank is engaged primarily in the business of attracting deposits from the general public and using such funds, together with other borrowings, to invest in various commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and consumer loans.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Use of Estimates in the Preparation of Financial Statements&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (&amp;#147;generally accepted accounting principles&amp;#148; or &amp;#147;GAAP&amp;#148;), requires management to make estimates and assumptions that affect the reported amounts of certain assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of related revenue and expense during the reporting period. Actual results could differ from those estimates.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Cash and Cash Equivalents&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Cash and cash equivalents include amounts on hand, due from banks and interest-earning deposits in other banks. Cash and cash equivalents have a maturity of 90 days or less at the time of purchase.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Certificates of Deposit Held for Investment &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; Certificates of deposit held for investments include amounts invested with financial institutions for a stated interest rate and maturity date. Early withdraw penalties apply, however the Company plans to hold these investments to maturity.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Loans Held for Sale&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The Company identifies loans held for sale at the time of origination and such loans are carried at the lower of aggregate cost or net realizable value. Market values are derived from available market quotations for comparable pools of mortgage loans. Adjustments for unrealized losses, if any, are charged to income.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Gains or losses on sales of loans held for sale are recognized at the time of sale and are determined by the difference between the net sales proceeds and the allocated basis of these loans sold. The Company capitalizes mortgage servicing rights (&amp;#147;MSRs&amp;#148;) acquired through either the purchase of MSRs, the sale of originated mortgage loans or the securitization of mortgage loans with servicing rights retained. Upon sale of mortgage loans held for sale, the total cost of the loans designated for sale is allocated to mortgage loans with and without MSRs based on their relative fair values. The MSRs are included as a component of gain on sale of loans. The MSRs are amortized in proportion to and over the estimated period of the net servicing income, such amortization is reflected as a component of loan servicing income.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Securities &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; Investment securities are classified as held to maturity when the Company has the ability and positive intent to hold such securities to maturity. Investment securities held to maturity are carried at amortized cost. Unrealized losses due to fluctuations in fair value are recognized when it is determined that a credit related other than temporary decline in value has occurred. Investment securities bought and held principally for the purpose of sale in the near term are classified as trading securities. Securities that the Company intends to hold for an indefinite period, but not necessarily to maturity are classified as available for sale. Such securities may be sold to implement the Company&amp;#146;s asset/liability management strategies and in response to changes in interest rates and similar factors.&amp;#160;&amp;#160;Securities available for sale are reported at fair value. Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in a separate component of shareholders&amp;#146; equity entitled &amp;#147;accumulated other comprehensive income (loss).&amp;#148; Realized gains and losses on securities available for sale, determined using the specific identification method, are included in earnings.&amp;#160;&amp;#160;Amortization of premiums and accretion of discounts are recognized in interest income over the period to maturity or expected call, if sooner.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company analyzes investment securities for other than temporary impairment (&amp;#147;OTTI&amp;#148;) on a quarterly basis.&amp;#160;&amp;#160;OTTI is separated into a credit and noncredit component.&amp;#160;&amp;#160;Noncredit component losses are recorded in other comprehensive income (loss) when the Company a) does not intend to sell the security or b) is not more likely than not to have to sell the security prior to the security&amp;#146;s anticipated recovery.&amp;#160;&amp;#160;Credit component losses are reported in non-interest income.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Loans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Loans are stated at the amount of unpaid principal, reduced by deferred loan origination fees and an allowance for loan losses. Interest on loans is accrued daily based on the principal amount outstanding.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Loans are reviewed regularly and it is the Company&amp;#146;s general policy that a loan is past due when it is 30 days to 89 days delinquent. In general, when a loan is 90 days delinquent or when collection of principal or interest appears doubtful, it is placed on non-accrual status, at which time the accrual of interest ceases and a reserve for unrecoverable accrued interest is established and charged against operations. Payments received on non-accrual loans are applied to reduce the outstanding principal balance on a cash-basis method. As a general practice, a loan is not removed from non-accrual status until all delinquent principal, interest and late fees have been brought current and the borrower has demonstrated a history of performance based upon the contractual terms of the note.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Loan origination and commitment fees and certain direct loan origination costs are deferred and amortized as an adjustment of the yield of the related loan.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The allowance for loan losses is maintained at a level sufficient to provide for probable loan losses based on evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon management&amp;#146;s ongoing quarterly assessment of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions, and detailed analysis of individual loans for which full collectibility may not be assured.&amp;#160;&amp;#160;The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are considered impaired. For such loans that are classified as impaired, an allowance is established when the net realizable value of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management&amp;#146;s estimate of probable losses. Such factors include uncertainties in economic conditions, uncertainties in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions.&amp;#160;&amp;#160;The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriate allowance level is estimated based upon factors and trends identified by management at the time the consolidated financial statements are prepared.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;When available information confirms that specific loans or portions thereof are uncollectible, identified amounts are charged against the allowance for loan losses. The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;A loan is considered impaired when it is probable that a creditor will be unable to collect all amounts (principal and interest) due according to the contractual terms of the loan agreement. Typically, factors used in determining if a loan is impaired are, but not limited to, loans 90 days or more delinquent, loans internally designated as substandard, loans that are on non-accrual status or trouble debt restructures. The majority of the Company&amp;#146;s impaired loans are considered collateral dependent. When a loan is considered collateral dependent impairment is measured using the estimated value of the underlying collateral, less any prior liens, and when applicable, less estimated selling costs. For impaired loans that are not collateral dependent impairment is measured using the present value of expected future cash flows, discounted at the loan&amp;#146;s original effective interest rate. When the net realizable value of the impaired loan is less than the recorded investment in the loan (including accrued interest, net deferred loan fees or costs, and unamortized premium or discount), an impairment is recognized by adjusting an allocation of the allowance for loan losses. Subsequent to the initial allocation of allowance to the individual loan the Company may conclude that it is appropriate to record a charge-off of the impaired portion of the loan. When a charge-off is recorded the loan balance is reduced and the specific allowance is eliminated. Generally, when a collateral dependent loan is initially measured for impairment and does not have an appraisal performed in the last three months, the Company obtains an updated market valuation. Subsequently, the Company obtains an updated market valuation on an annual basis. The valuation may occur more frequently if the Company determines that there is an indication that the market value may have declined.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In accordance with the Company&amp;#146;s policy guidelines, unsecured loans are generally charged-off when no payments have been received for three consecutive months unless an alternative action plan is in effect. Consumer installment loans delinquent six months or more that have not received at least 75% of their required monthly payment in the last 90 days are charged-off. In addition, loans discharged in bankruptcy proceedings are charged-off. Loans under bankruptcy protection with no payments received for four consecutive months will be charged-off. The outstanding balance of a secured loan that is in excess of the net realizable value is generally charged-off if no payments are received for four to five consecutive months. However, charge-offs are postponed if alternative proposals to restructure, obtain additional guarantors, obtain additional assets as collateral or a potential sale would result in full repayment of the outstanding loan balance. Once any of these or other repayment potentials are considered exhausted the impaired portion of the loan is charged-off, unless an updated valuation of the collateral reveals no impairment. Regardless of whether a loan is unsecured or collateralized, once an amount is determined to be a confirmed loan loss it is promptly charged off.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;A provision for loan losses is charged against income and is added to the allowance for loan losses based on regular assessments of the loan portfolio. The allowance for loan losses is allocated to certain loan categories based on the relative risk characteristics, asset classifications and actual loss experience of the loan portfolio. While management has allocated the allowance for loan losses to various loan portfolio segments, the allowance is general in nature and is available for the loan portfolio in its entirety.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The ultimate recovery of all loans is susceptible to future market factors beyond the Company&amp;#146;s control. There can be no assurance that the Company will not be required to make future adjustments to the allowance in response to changing economic conditions, particularly in the Company&amp;#146;s primary market, since the majority of the Company&amp;#146;s loans are collateralized by real estate. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company&amp;#146;s allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Allowance for Unfunded Loan Commitments &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; The allowance for unfunded loan commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers, and the terms and expiration dates of the unfunded credit facilities. The allowance for unfunded loan commitments is included in other liabilities on the consolidated balance sheets, with changes to the balance charged against non-interest expense.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Real Estate Owned (&amp;#147;REO&amp;#148;)&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; REO consists of properties acquired through foreclosure. Specific charge-offs are taken based upon detailed analysis of the fair value of collateral on the underlying loans on which the Company is in the process of foreclosing. Such collateral is transferred into REO at the lower of recorded cost or fair value less estimated costs of disposal. Subsequently, the Company performs an evaluation of the properties and creates a valuation allowance with an offsetting charge to real estate owned expenses for any declines in value. The amounts the Company will ultimately recover from REO may differ from the amounts used in arriving at the net carrying value of these assets because of future market factors beyond the Company&amp;#146;s control or because of changes in the Company&amp;#146;s strategy for the sale of the property.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Federal Home Bank Loan Bank Stock&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The Bank, as a member of Federal Home Loan Bank of Seattle (&amp;#147;FHLB&amp;#148;), is required to maintain an investment in capital stock of the FHLB in an amount equal to the greater of 1% of its outstanding home loans or 5% of advances from the FHLB. The Company views its investment in FHLB stock as a long-term investment. Accordingly, when evaluating for impairment, the value is determined based on the ultimate redemption of the par value rather than recognizing temporary declines in value. The determination of whether a decline affects the ultimate redemption is influenced by criteria such as: 1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount and length of time a decline has persisted; 2) impact of legislative and regulatory changes on the FHLB and 3) the liquidity position of the FHLB. The FHLB had a deterioration in its financial position and as a result had a risk-based capital deficiency under the regulations of its primary federal regulator. Therefore, the Company evaluated its investment in FHLB stock for OTTI, consistent with its accounting policy. Based on the Company&amp;#146;s evaluation of the underlying investment, including the long-term nature of the investment, the liquidity position of the FHLB, the actions being taken by the FHLB to address its regulatory situation and the Company&amp;#146;s intent and ability to hold the investment for a period of time sufficient to be able to redeem its investment at par value, the Company did not recognize an OTTI loss on its FHLB stock. However, this estimate could change in the near term if: 1) significant other-than-temporary losses are incurred on the mortgage backed securities causing a significant decline in their regulatory capital status; 2) the economic losses resulting from credit deterioration on the mortgage backed securities increases significantly and 3) capital preservation strategies being utilized by the FHLB become ineffective.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Premises and Equipment&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Premises and equipment are stated at cost less accumulated depreciation. Leasehold improvements are amortized over the term of the lease or the estimated useful life of the improvements, whichever is less. Gains or losses on dispositions are reflected in earnings. Depreciation is generally computed on the straight-line method over the following estimated useful lives: building and improvements &amp;#150; up to 45 years; furniture and equipment &amp;#150; three to twenty years; and leasehold improvements &amp;#150; fifteen to twenty-five years. The cost of maintenance and repairs is charged to expense as incurred.&amp;#160;&amp;#160;Assets are reviewed for impairment when events indicate their carrying value may not be recoverable.&amp;#160;&amp;#160;If management determines impairment exists the asset is reduced by an offsetting charge to expense.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The capitalized lease, less accumulated amortization is included in premises and equipment. The capitalized lease is amortized on a straight-line basis over the lease term and the amortization is included in depreciation expense.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Mortgage Servicing Rights &amp;#150;&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; Fees earned for servicing loans for the Federal Home Loan Mortgage Corporation (&amp;#147;FHLMC&amp;#148;) are reported as income when the related mortgage loan payments are collected. Loan servicing costs are charged to expense as incurred.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;MSRs are the rights to service loans. Loan servicing includes collecting payments, remitting funds to investors, insurance companies and tax authorities, collecting delinquent payments, and foreclosing on properties when necessary.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company records its originated MSRs at fair value in accordance with accounting standards, which requires the Company to allocate the total cost of all mortgage loans sold to the MSRs and the loans (without the MSRs) based on their relative fair values if it is practicable to estimate those fair values. The Company stratifies its MSRs based on the predominant characteristics of the underlying financial assets including the coupon interest rate and the contractual maturity of the mortgage. An estimated fair value of MSRs is determined quarterly using a discounted cash flow model.&amp;#160;&amp;#160;The model estimates the present value of the future net cash flows of the servicing portfolio based on various factors, such as servicing costs, servicing income, expected prepayment speeds, discount rate, loan maturity and interest rate. The effect of changes in market interest rates on estimated rates of loan prepayments represents the predominant risk characteristic underlying the MSRs portfolio. The Company is amortizing the MSRs in proportion to and over the period of estimated net servicing income.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;MSRs are reviewed quarterly for impairment based on their fair value. The fair value of the MSRs, for the purposes of impairment, is measured using a discounted cash flow analysis based on market adjusted discount rates, anticipated prepayment speeds, mortgage loan term and coupon rate.&amp;#160;&amp;#160;Market sources are used to determine prepayment speeds, ancillary income, servicing cost and pre-tax required yield.&amp;#160;&amp;#160;Impairment losses are recognized through a valuation allowance for each impaired stratum, with any associated provision recorded as a component of loan servicing income.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Goodwill &amp;#150;&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; Goodwill is initially recorded when the purchase price paid for an acquisition exceeds the estimated fair value of the net identified tangible and intangible assets acquired.&amp;#160;&amp;#160;Goodwill is presumed to have an indefinite useful life and is tested, at least annually, for impairment at the reporting unit level.&amp;#160;&amp;#160;The Company performs an annual review in the third quarter of each year, or more frequently if indicators of potential impairment exist, to determine if the recorded goodwill is impaired.&amp;#160;&amp;#160;The impairment test is performed in two phases.&amp;#160;&amp;#160;The first step of the goodwill impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill.&amp;#160;&amp;#160;If the fair value of the reporting unit exceeds its carrying amount, goodwill is considered not impaired; however, if the carrying amount of the reporting unit exceeds its fair value, a second phase step must be performed.&amp;#160;&amp;#160;In the second step the implied fair value of the reporting unit is calculated. The implied fair value of goodwill is then compared to the carrying amount of goodwill on the Company&amp;#146;s balance sheet.&amp;#160;&amp;#160;If the carrying amount of the goodwill is greater than the implied fair value of that goodwill, an impairment loss must be recognized in an amount equal to that excess.&amp;#160;&amp;#160;As of March 31, 2012, the Company had not recognized any impairment loss on the recorded goodwill.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Core Deposit Intangible&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Core deposit intangibles are amortized to non-interest expense using an accelerated method (based on expected attrition and cash flows of core deposit accounts purchased) over ten years.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Advertising and Marketing Expense&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Costs incurred for advertising, merchandising, market research, community investment and business development are classified as marketing expense and are expensed as incurred.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Income Taxes&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Income taxes are accounted for using the asset and liability method. Under this method, a deferred tax asset or liability is determined based on the enacted tax rates which will be in effect when the differences between the financial statement carrying amounts and tax basis of existing assets and liabilities are expected to be reported in the Company&amp;#146;s income tax returns. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation allowances are established to reduce the net carrying amount of deferred tax assets if it is determined to be more likely than not, that all or some portion of the potential deferred tax asset will not be realized. The Company files a consolidated federal income tax return. The Bank provides for income taxes separately and remits to the Company amounts currently due.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Trust Assets&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Assets held by RAMCorp. in a fiduciary or agency capacity for trust customers are not included in the consolidated financial statements because such items are not assets of the Company. Assets totaling $359.6 million and $328.1 million were held in trust as of March 31, 2012 and 2011, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Earnings Per Share &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; The Company accounts for earnings per share in accordance with applicable accounting standards, which requires all companies whose capital structure includes dilutive potential common shares to make a dual presentation of basic and diluted earnings per share for all periods presented. Basic earnings per share is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period, excluding restricted stock and unallocated shares owned by the Company&amp;#146;s Employee Stock Ownership Plan (&amp;#147;ESOP&amp;#148;).&amp;#160;&amp;#160;Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised and has been computed after giving consideration to the weighted average diluted effect of the Company&amp;#146;s stock options.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Stock-Based Compensation &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; The Company accounts for stock based compensation in accordance with accounting guidance for stock compensation. The guidance requires measurement of the compensation cost for all stock-based awards based on the grant-date fair value and recognition of compensation cost over the service period of stock-based awards. The fair value of stock options is determined using the Black-Scholes valuation model.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Employee Stock Ownership Plan (&amp;#147;ESOP&amp;#148;) &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; The Company sponsors a leveraged ESOP. As shares are released, compensation expense is recorded equal to the then current market price of the shares and the shares become available for earnings per share calculations. The Company records cash dividends on unallocated shares as a reduction of debt and accrued interest.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Business segments&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; The Company operates a single business segment. The financial information that is used by the chief operating decision maker in allocating resources and assessing performance is only provided for one reportable segment for years ended March 31, 2012, 2011 and 2010.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;New Accounting Pronouncements&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt; -&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In April 2011, the FASB issued FASB ASU No. 2011-02 regarding a creditor&amp;#146;s determination of a trouble debt restructure. This guidance will assist creditors in determining whether a creditor has granted a concession and whether a debtor is experiencing financial difficulties for purposes of determining whether a restructuring constitutes a troubled debt restructuring. The guidance is effective for the first interim or annual period beginning on or after June 15, 2011.&amp;#160;&amp;#160;The adoption of this guidance did not have a material impact on the Company&amp;#146;s financial position and results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In May 2011, the FASB issued ASU No. 2011-04 regarding fair value measurement. This guidance amends previous guidance on fair value measurement to achieve common fair value measurement and disclosure requirements in GAAP and International Financial Reporting Standards (&amp;#147;IFRS&amp;#148;). The guidance is effective for the first interim or annual period beginning after December 15, 2011.&amp;#160;&amp;#160;The adoption of this guidance did not have a material impact on the Company&amp;#146;s financial position and results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In June 2011, the FASB issued ASU No. 2011-05 regarding the presentation of comprehensive income. This guidance improves the comparability, consistency and transparency of financial reporting and increases the prominence of items reported in other comprehensive income.&amp;#160;&amp;#160;The guidance will facilitate convergence of GAAP and IFRS. The guidance is effective for the annual periods, and interim periods within those years, beginning after December 15, 2011. The adoption of this guidance did not have a material impact on the Company&amp;#146;s financial position and results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In September 2011, the FASB issued ASU No. 2011-08 regarding goodwill which will allow an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Under this guidance update, an entity would not be required to calculate the fair value of a reporting unit unless the entity determines, based on a qualitative assessment, that it is more likely than not that its fair value is less than its carrying amount. The update includes a number of events and circumstances for an entity to consider in conducting the qualitative assessment. The guidance is effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before September 15, 2011, if an entity&amp;#146;s financial statements for the most recent annual or interim period have not yet been issued or, for nonpublic entities, have not yet been made available for issuance. The adoption of this guidance is not expected to have a material impact on the Company&amp;#146;s financial position and results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In December 2011, the FASB issued ASU No. 2011-12 which temporarily defers the effective date for disclosures related to reclassification adjustments within accumulated other comprehensive income and should continue to report reclassifications out of accumulated other comprehensive income consistent within the presentation requirements in effect before ASU No. 2011-05. The adoption of this accounting standard is not expected to have a material impact on the Company&amp;#146;s financial position and results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
	<fil:RestrictedAssets contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;RESTRICTED ASSETS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Regulations of the Board of Governors of the Federal Reserve System (&amp;#147;Federal Reserve Board&amp;#148;) require that the Bank maintain minimum reserve balances either on hand or on deposit with the Federal Reserve Bank of San Francisco (&amp;#147;FRB&amp;#148;), based on a percentage of deposits. The amounts of such balances as of March 31, 2012 and 2011 were $802,000 and $773,000, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:RestrictedAssets>
	<fil:InvestmentSecurities contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;3.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;INVESTMENT SECURITIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The amortized cost and approximate fair value of investment securities held to maturity consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Municipal bonds&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;493&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;49&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;542&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Municipal bonds&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;506&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;50&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;556&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The contractual maturities of investment securities held to maturity are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; width:40%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; background-color:#cceeff; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due in one year or less&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after one year through five years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; background-color:#cceeff; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after five years through ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;493&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;542&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; background-color:#cceeff; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;493&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;542&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The amortized cost and approximate fair value of investment securities available for sale consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Trust preferred&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,974&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,808&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Agency securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Municipal bonds&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;149&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;149&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,123&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,809&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,314&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Trust preferred&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,974&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,058&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;916&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Agency securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(136&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,864&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Municipal bonds&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;540&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;540&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,514&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,194&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,320&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The fair value of temporarily impaired securities, the amount of unrealized losses and the length of time these unrealized losses existed as of March 31, 2012 are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;23%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:23%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; text-indent:-27pt; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; background-color:#cceeff; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Trust preferred&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,808&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,808&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Agency securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; background-color:#cceeff; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,808&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,165&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,809&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The fair value of temporarily impaired securities, the amount of unrealized losses and the length of time these unrealized losses existed as of March 31, 2011 are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;12 months or longer&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;23%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:23%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; text-indent:-27pt; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;Total&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; background-color:#cceeff; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Trust preferred&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;916&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,058&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;916&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,058&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Agency securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,864&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(136&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,864&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(136&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;33%&quot; style=&quot;text-align:left; background-color:#cceeff; width:33%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,864&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(136&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;916&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,058&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,780&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,194&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;At March 31, 2012, the Company had a single collateralized debt obligation which is secured by trust preferred securities issued by 19 other holding companies. The Company holds the mezzanine tranche of this security. Four of the issuers in this pool have defaulted (representing 38% of the remaining collateral), and seven other issuers are currently in deferral (29% of the remaining collateral). The Company has estimated an expected default rate of 44% for this security. The expected default rate was estimated based primarily on an analysis of the financial condition of the underlying banks. The Company estimates that a default rate of 46% would trigger a potential impairment of this security. The Company utilized a discount rate of 22% to estimate the fair value of this security. There was no excess subordination on this security.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;During the year ended March 31, 2012, the Company determined that there was no additional OTTI charge on the above trust preferred investment security. The Company does not intend to sell this security and it is not more likely than not that the Company will be required to sell the security before the anticipated recovery of the remaining amortized cost basis.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;To determine the component of gross OTTI related to credit losses, the Company compared the amortized cost basis of the OTTI security to the present value of the revised expected cash flows, discounted using the current pre-impairment yield.&amp;#160;&amp;#160;The revised expected cash flow estimates are based primarily on an analysis of default rates, prepayment speeds and third-party analytical reports.&amp;#160;&amp;#160;Significant judgment of management is required in this analysis that includes, but is not limited to, assumptions regarding the ultimate collectibility of principal and interest on the underlying collateral.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The unrealized losses on the above single agency security is primarily attributable to increases in market interest rates subsequent to their purchase by the Company.&amp;#160;&amp;#160;The Company expects the fair value of these agency securities to recover as the agency securities approach their maturity dates or sooner if market yields for such securities decline.&amp;#160;&amp;#160;The Company does not believe that any of the agency securities are impaired due to reasons of credit quality or related to any issuer or industry specific event.&amp;#160;&amp;#160;Based on management&amp;#146;s evaluation and intent, none of the unrealized losses related to the agency securities in this table are considered other than temporary.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The contractual maturities of investment securities available for sale are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; width:40%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; background-color:#cceeff; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Due in one year or less&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Due after one year through five years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;5,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; background-color:#cceeff; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Due after five years through ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Due after ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;3,123&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;1,315&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;40%&quot; style=&quot;text-align:left; background-color:#cceeff; width:40%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;8,123&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;6,314&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company realized no gains or losses on sales of investment securities in the years ended March 31, 2012, 2011 and 2010.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;There were no investment securities pledged as collateral by the Bank at March 31, 2012 and 2011.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:InvestmentSecurities>
	<fil:MortgageBackedSecurities contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;4.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;MORTGAGE-BACKED SECURITIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities held to maturity consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&amp;#160; &lt;b&gt;Amortized&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated&lt;/font&gt;&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FHLMC mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;69&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;73&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FNMA mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;102&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;104&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;171&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;177&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FHLMC mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;78&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;82&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FNMA mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;117&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;190&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;199&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Mortgage-backed securities held to maturity with an amortized cost of $69,000 and $76,000 and a fair value of $71,000 and $80,000 at March 31, 2012 and 2011, respectively, were pledged as collateral for governmental public funds. There were no mortgage-backed securities pledged as collateral for treasury tax and loan funds held by the Bank at March 31, 2012.&amp;#160;&amp;#160;Mortgage-backed securities held to maturity with an amortized cost of $98,000 and a fair value of $103,000 at March 31, 2011 were pledged as collateral for treasury tax and loan funds held by the Bank.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The contractual maturities of mortgage-backed securities classified as held to maturity are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized&lt;/font&gt;&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated&lt;/font&gt;&lt;/b&gt; &lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due in one year or less&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after one year through five years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after five years through ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;168&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;174&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;171&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;177&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities available for sale consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Gross &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate mortgage investment conduits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;319&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;329&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FHLMC mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;613&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;23&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;636&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FNMA mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;940&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;974&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate mortgage investment conduits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;421&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;433&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FHLMC mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,270&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,304&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;FNMA mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;38&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;40&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;27%&quot; style=&quot;text-align:left; background-color:#cceeff; width:27%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,729&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;48&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,777&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The contractual maturities of mortgage-backed securities available for sale are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Estimated&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due in one year or less&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after one year through five years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;714&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;743&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after five years through ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Due after ten years&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;226&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;231&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;940&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;974&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Expected maturities of mortgage-backed securities held to maturity and available for sale will differ from contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Mortgage-backed securities available for sale with an amortized cost of $744,000 and $178,000 and a fair value of $776,000 and $187,000 at March 31, 2012 and 2011, respectively, were pledged as collateral for government public funds held by the Bank.&amp;#160;&amp;#160;The real estate mortgage investment conduits consist of FHLMC and Fannie Mae (&amp;#147;FNMA&amp;#148;) securities.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:MortgageBackedSecurities>
	<fil:LoansReceivable contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;5.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;LOANS RECEIVABLE&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans receivable at March 31, 2012 and 2011 are reported net of deferred loan fees totaling $2.7 million and $2.9 million, respectively. Loans receivable, excluding loans held for sale, consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0; border-bottom:solid 1.5pt black&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial and construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;87,238&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;85,511&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Other real estate mortgage&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;434,763&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;461,955&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;25,791&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,385&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Total commercial and construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;547,792&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;574,851&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Real estate one-to-four family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;134,975&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;110,437&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Other installment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,042&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,289&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;137,017&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112,726&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total loans&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;684,809&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;687,577&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Less:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; background-color:#cceeff; width:29%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Allowance for loan losses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;19,921&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; background-color:#cceeff; width:11%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,968&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;29%&quot; style=&quot;text-align:left; width:29%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Loans receivable, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;664,888&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;11%&quot; style=&quot;text-align:left; width:11%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;672,609&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company originates commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and consumer loans. At March 31, 2012 and 2011, the Company had no loans to foreign domiciled businesses or foreign countries, or loans related to highly leveraged transactions. Substantially all of the mortgage loans in the Company&amp;#146;s portfolio are secured by properties located in Washington and Oregon, and, accordingly, the ultimate collectibility of a substantial portion of the Company&amp;#146;s loan portfolio is susceptible to changes in the local economic conditions in these markets. The Company considers its loan portfolio to have very little exposure to sub-prime mortgage loans since the Company has not historically engaged in this type of lending. At March 31, 2012, loans carried at $494.5 million were pledged as collateral to the FHLB and FRB for borrowing arrangements.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Aggregate loans to officers and directors, all of which are current, consist of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35%&quot; style=&quot;text-align:left; width:35%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;26%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:26%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35%&quot; style=&quot;text-align:left; width:35%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35%&quot; style=&quot;text-align:left; background-color:#cceeff; width:35%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Beginning balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,160&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,448&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,021&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35%&quot; style=&quot;text-align:left; width:35%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Originations&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;774&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;628&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35%&quot; style=&quot;text-align:left; background-color:#cceeff; width:35%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Principal repayments&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(254&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(62&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(201&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35%&quot; style=&quot;text-align:left; width:35%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Ending balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,907&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,160&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,448&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:LoansReceivable>
	<fil:AllowanceForLoanLosses contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;6.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;ALLOWANCE FOR LOAN LOSSES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The allowance for loan losses is maintained at a level sufficient to provide for probable loan losses based on evaluating known and inherent risks in the loan portfolio. The allowance is provided based upon the Company&amp;#146;s ongoing quarterly assessment of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are considered impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows, or collateral value or observable market price, of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans based on the Company&amp;#146;s risk rating system and historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that the Company believes have resulted in losses that have not yet been allocated to specific elements of the general component. Such factors include uncertainties in economic conditions and in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriate allowance level is estimated based upon factors and trends identified by the Company at the time the consolidated financial statements are prepared.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Commercial business, commercial real estate, construction and land acquisition and development loans are considered to have a higher degree of credit risk than one-to-four family residential loans, and tend to be more vulnerable to adverse conditions in the real estate market and deteriorating economic conditions. While the Company believes the estimates and assumptions used in its determination of the allowance are reasonable, there can be no assurance that such estimates and assumptions will not be proven incorrect in the future, that the actual amount of future provisions will not exceed the amount of past provisions, or that any increased provisions that may be required will not adversely impact our financial condition and results of operations. In addition, bank regulators periodically review the Company&amp;#146;s allowance and may require the Company to increase its provision for loan losses or recognize additional loan charge-offs. An increase in the Company&amp;#146;s allowance for loan losses or loan charge-offs as required by these regulatory authorities may have a material adverse effect on its financial condition and results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Management&amp;#146;s evaluation of the allowance for loan losses is based on ongoing, quarterly assessments of the known and inherent risks in the loan portfolio. Loss factors are based on the Company&amp;#146;s historical loss experience with additional consideration and adjustments made for changes in economic conditions, changes in the amount and composition of the loan portfolio, delinquency rates, changes in collateral values, seasoning of the loan portfolio, duration of current business cycle, a detailed analysis of impaired loans and other factors as deemed appropriate. These factors are evaluated on a quarterly basis. Loss rates used by the Company are affected as changes in these factors increase or decrease from quarter to quarter. The Company also considers bank regulatory examination results and findings of internal credit examiners in its quarterly evaluation of the allowance for loan losses. Management&amp;#146;s recent analysis of the allowance has placed greater emphasis on the Company&amp;#146;s construction and land development loan portfolios and the effect of various factors such as geographic and loan type concentrations. The Company has focused on managing these portfolios in an attempt to minimize the effects of declining home values and slower home sales in its market areas.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following tables present a reconciliation of the allowance for loan losses at the dates indicated (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Commercial&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Business&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Commercial &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Real Estate&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Land&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Multi-Family&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Real Estate Construction&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Consumer&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unallocated&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Beginning balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,822&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,744&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,003&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,172&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;820&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,339&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,068&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,968&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Provision for loan losses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,638&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,681&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,692&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,126&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,690&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,670&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(147&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;29,350&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Charge-offs&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,801&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,826&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(10,892&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,177&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,101&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,750&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(24,547&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Recoveries&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;29&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;103&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;15&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;150&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Ending balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,688&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,599&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,906&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,121&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;412&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,274&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,921&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;19,921&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Beginning balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,181&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,592&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,013&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;423&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,137&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,574&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,722&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;21,642&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Provision for loan losses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,005&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;414&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,101&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,749&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;455&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;346&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,075&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Charge-offs&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,371&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(263&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(4,141&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(4,329&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(703&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(11,807&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Recoveries&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;30&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;58&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Ending balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,822&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,744&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,003&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,172&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;820&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,339&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,068&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,968&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;141&quot; style=&quot;text-align:left; width:141px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;44&quot; style=&quot;text-align:left; width:44px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;70&quot; style=&quot;text-align:left; width:70px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;53&quot; style=&quot;text-align:left; width:53px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;44&quot; style=&quot;text-align:left; width:44px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Beginning balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,668&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,529&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,594&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;352&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,592&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,209&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,030&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;16,974&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Provision for loan losses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,973&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,099&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,219&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;71&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,206&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,640&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(308&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;15,900&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Charge-offs&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,466&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(36&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,800&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,737&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,282&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(11,321&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Recoveries&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;76&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;89&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Ending balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,181&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,592&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,013&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;423&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,137&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,574&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,722&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;21,642&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;141&quot; style=&quot;text-align:left; width:141px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;44&quot; style=&quot;text-align:left; width:44px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;70&quot; style=&quot;text-align:left; width:70px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;53&quot; style=&quot;text-align:left; width:53px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;62&quot; style=&quot;text-align:left; width:62px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;44&quot; style=&quot;text-align:left; width:44px; padding:0&quot;&gt;&lt;/td&gt;&lt;td width=&quot;9&quot; style=&quot;text-align:left; width:9px; padding:0&quot;&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The following tables present an analysis of loans receivable and allowance for loan losses, which were evaluated individually and collectively for impairment at the dates indicated (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;30%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:30%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Allowance for loan losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;30%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:30%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded investment in loans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Individually &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Evaluated for &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Impairment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Collectively &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Evaluated for Impairment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Individually &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Evaluated for &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Impairment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Collectively &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Evaluated for &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Impairment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;73&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,615&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,688&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,818&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;79,420&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;87,238&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;686&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,913&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,599&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,824&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;330,256&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;353,080&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;624&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,282&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,906&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,226&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;24,662&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;38,888&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,117&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,121&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,265&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34,530&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;42,795&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;394&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;412&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,613&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,178&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;25,791&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;197&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,077&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,274&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,967&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;132,050&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;137,017&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Unallocated&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,921&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,921&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,602&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,319&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;19,921&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;65,713&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;619,096&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;684,809&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;207&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,615&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,822&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,382&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;82,129&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;85,511&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;59&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,685&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,744&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,976&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;355,712&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;364,688&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,003&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,003&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,695&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;52,563&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;55,258&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,779&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;393&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,172&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;42,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;820&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;820&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,206&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;23,179&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,385&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,339&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,339&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112,726&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112,726&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Unallocated&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,068&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,068&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,045&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,923&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,968&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,259&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;660,318&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;687,577&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Changes in the allowance for unfunded loan commitments were as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;37%&quot; style=&quot;text-align:left; width:37%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;26%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:26%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;37%&quot; style=&quot;text-align:left; width:37%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;37%&quot; style=&quot;text-align:left; background-color:#cceeff; width:37%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Beginning balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;185&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;296&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;37%&quot; style=&quot;text-align:left; width:37%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Net change in allowance for unfunded loan commitments&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;51&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(19&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(111&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;37%&quot; style=&quot;text-align:left; background-color:#cceeff; width:37%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Ending balance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;217&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;185&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Non-accrual loans:&lt;/font&gt;&lt;/u&gt;&amp;#160;The following tables present an analysis of past due loans at the dates indicated (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160; March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;30-89 Days Past Due&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Greater Than 90 Days (Non-Accrual)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total Past Due&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Current&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total Loans Receivable&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded Investment &gt; 90 Days and Accruing&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;535&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,930&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,465&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;82,773&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;87,238&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,733&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,950&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;19,683&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;333,397&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;353,080&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;128&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,985&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,113&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;25,775&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;38,888&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,627&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,627&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,168&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;42,795&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,756&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,756&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,035&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;25,791&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,453&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,915&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,368&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;130,649&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;137,017&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,849&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;44,163&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;53,012&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;631,797&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;684,809&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160; March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,415&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,871&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,286&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;81,225&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;85,511&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,112&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,385&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,497&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;361,191&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;364,688&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,904&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,904&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;52,354&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;55,258&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;42,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;42,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,206&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,206&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;23,179&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,385&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,271&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;957&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,228&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;107,498&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112,726&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;16%&quot; style=&quot;text-align:left; background-color:#cceeff; width:16%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,798&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,323&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;20,121&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;667,456&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;687,577&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Interest income foregone on non-accrual loans was $2.3 million, $1.9 million and $2.8 million for the years ended March 31, 2012, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Credit quality indicators:&lt;/font&gt;&lt;/u&gt; The Company monitors credit risk in its loan portfolio using a risk rating system for all commercial (non-consumer) loans. The risk rating system is a measure of the credit risk of the borrower based on their historical, current and anticipated financial characteristics. The Company assigns a risk rating to each commercial loan at origination and subsequently updates these ratings, as necessary, so the risk rating continues to reflect the appropriate risk characteristics of the loan. Application of appropriate risk ratings is key to management of the loan portfolio risk. In arriving at the rating, the Company considers the following factors: delinquency, payment history, quality of management, liquidity, leverage, earning trends, alternative funding sources, geographic risk, industry risk, cash flow adequacy, account practices, asset protection and extraordinary risks. Consumer loans, including custom construction loans, are not assigned a risk rating but rather are grouped into homogeneous pools with similar risk characteristics. When a consumer loan is delinquent 90 days it is placed on non-accrual status and assigned a substandard risk rating. Loss factors are assigned to each risk rating and homogeneous pool based on historical loss experience for similar loans. This historical loss experience is adjusted for qualitative factors that are likely to cause the estimated credit losses to differ from the Company&amp;#146;s historical loss experience. The Company uses these loss factors to estimate the general component of its allowance for loan loss.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Pass&lt;/font&gt;&lt;/u&gt; - These loans have risk rating between 1 and 4 and are to borrowers that meet normal credit standards.&amp;#160;&amp;#160;Any deficiencies in satisfactory asset quality, liquidity, debt servicing capacity and coverage are offset by strengths in other areas. The borrower currently has the capacity to perform according to the loan terms. Any concerns about risk factors such as stability of margins, stability of cash flows, liquidity, dependence on a single product/supplier/customer, depth of management, etc., are offset by strength in other areas. Typically, the operating assets of the company and/or real estate will secure these loans.&amp;#160;Management is considered competent. The borrower has the ability to repay the debt in the normal course of business.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Watch&lt;/font&gt;&lt;/u&gt; &amp;#150; These loans have a risk rating of 5 and would typically have many of the attributes of loans in the pass rating. However, there would typically be some reason for additional management oversight, such as recent financial setbacks, deteriorating financial position, industry concerns and failure to perform on other borrowing obligations. Loans with this rating are to be monitored closely in an effort to correct deficiencies.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Special mention&lt;/font&gt;&lt;/u&gt; &amp;#150; These loans have a risk rating of 6 and are currently protected but have the potential to deteriorate to a &amp;#147;Substandard&amp;#148; rating. The borrower&amp;#146;s financial performance may be inconsistent or below forecast, creating the possibility of liquidity problems and shrinking debt service coverage. The borrower may have a short track record and little depth of management. Other typical characteristics include inadequate current financial information, marginal capitalization, and susceptibility to negative industry trends. The primary source of repayment is still viable but there is increasing reliance on collateral or guarantor support.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/font&gt;&lt;/u&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Substandard&lt;/font&gt;&lt;/u&gt; &amp;#150; These loans have a risk rating of 7 and are rated in accordance with regulatory guidelines, for which the accrual of interest may or may not be discontinued. By definition under regulatory guidelines, a &amp;#147;Substandard&amp;#148; loan has defined weaknesses which make payment default or principal exposure likely, but not yet certain. Such loans are apt to be dependent upon collateral liquidation, a secondary source of repayment, or an event outside of the normal course of business.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/font&gt;&lt;/u&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Doubtful&lt;/font&gt;&lt;/u&gt; - These loans have a risk rating of 8 and are rated in accordance with regulatory guidelines. Such loans are placed on non-accrual status and may be dependent upon collateral having a value that is difficult to determine or upon some near-term event which lacks certainty.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Loss&lt;/font&gt;&lt;/u&gt; - These loans have a risk rating of 9 and are rated in accordance with regulatory guidelines. Such loans are to be charged-off or charged-down when payment is acknowledged to be uncertain or when the timing or value of payments cannot be determined. &amp;#147;Loss&amp;#148; is not intended to imply that the loan or some portion of it will never be paid, nor does it in any way imply that there has been a forgiveness of debt.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following tables present an analysis of credit quality indicators at the dates indicated (dollars in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;20%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:20%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;20%&quot; colspan=&quot;5&quot; style=&quot;text-align:left; width:20%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted-&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average Risk &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Grade&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Classified&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Loans &lt;/font&gt;&lt;/b&gt;(2)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted-&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Risk Grade&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Classified &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Loans &lt;/font&gt;&lt;/b&gt;(2)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial Business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3.97&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,456&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,920&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial Real Estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3.88&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;35,077&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3.66&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,909&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.60&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;17,560&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,818&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-Family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.06&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,265&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.06&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,679&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate Construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.51&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,756&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.96&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,106&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,915&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;957&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.08&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;86,029&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3.93&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;36,389&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total loans risk rated&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;550,174&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;573,506&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; colspan=&quot;13&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;(1) Consumer loans are primarily evaluated on a homogenous pool level and generally not individually risk rated unless certain factors are met.&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;(2) Classified loans includes loans under the credit quality indicator categories of substandard, doubtful and loss&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline&quot;&gt;Impaired loans:&lt;/font&gt;&lt;/u&gt; The following tables present an analysis of impaired loans at the dates indicated (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investment with &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;No Specific &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Valuation &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Allowance&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investment &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;with Specific &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Valuation &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Allowance&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unpaid &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Principal &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Balance&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Related &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Specific &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Valuation &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Allowance&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,790&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,028&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,818&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,477&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;73&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,400&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,704&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,120&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,824&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;25,359&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;686&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;17,102&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,365&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,861&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,226&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;17,989&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;624&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,339&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,825&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;440&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,265&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,189&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,254&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;604&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,613&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,796&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,700&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,842&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,125&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,967&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,880&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;197&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,584&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;45,535&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;20,178&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;65,713&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;83,690&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,602&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;53,379&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,024&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,358&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,382&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,562&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;207&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,593&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;750&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,226&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,976&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,221&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;59&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,979&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,695&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,695&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,094&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,695&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,036&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,779&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,864&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;Real estate construction&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,206&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,206&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,474&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,950&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;462&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; background-color:#cceeff; width:14%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,675&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,584&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,259&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;36,387&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,045&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;37,543&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The related amount of interest income recognized on loans that were impaired was $2.2 million, $907,000 and $175,000 during the years ended March 31, 2012, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following table presents troubled debt restructurings (&amp;#147;TDR&amp;#148;) at the date indicated:&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;27%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:27%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;(In Thousands)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Number &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;of &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Contracts&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Pre-&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Modification &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Outstanding &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Post-&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Modification &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Outstanding &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Recorded &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; background-color:#cceeff; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial business&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,864&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,018&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Commercial real estate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,158&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,966&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; background-color:#cceeff; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,191&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,136&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Multi-family&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,372&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,277&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; background-color:#cceeff; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Consumer&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,739&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,683&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;20&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;20,324&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;16,080&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;At March 31, 2011, TDRs totaled $5.9 million.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;TDRs are loans where the Company, for economic or legal reasons related to the borrower&apos;s financial condition, has granted a concession to the borrower that it would otherwise not consider. A TDR typically involves a modification of terms such as a reduction of the stated interest rate or face amount of the loan, a reduction of accrued interest, or an extension of the maturity date(s) at a stated interest rate lower than the current market rate for a new loan with similar risk.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;TDRs are considered impaired loans and as such, when a loan is deemed to be impaired, the amount of the impairment is measured using discounted cash flows using the original note rate, except when the loan is collateral dependent.&amp;#160;&amp;#160;In these cases, the current fair value of the collateral, less selling costs is used.&amp;#160;&amp;#160;Impairment is recognized as a specific component within the allowance for loan losses if the value of the impaired loan is less than the recorded investment in the loan.&amp;#160;&amp;#160;When the amount of the impairment represents a confirmed loss, it is charged off against the allowance for loan losses. There were no TDRs that were recorded in the twelve months ended March 31, 2011 or March 31, 2012 that subsequently defaulted.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:AllowanceForLoanLosses>
	<fil:PremisesAndEquipment contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;7.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;PREMISES AND EQUIPMENT&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Premises and equipment consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;18%&quot; colspan=&quot;6&quot; style=&quot;text-align:left; width:18%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160;March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Land&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,213&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,213&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Buildings and improvements&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11,987&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11,968&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Leasehold improvements&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,413&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,413&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Furniture and equipment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,046&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,985&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Buildings under capitalized leases&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,715&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,715&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Construction in progress&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,544&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;690&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.5in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;31,918&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;29,984&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; width:42%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Less accumulated depreciation and amortization&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(14,850&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(13,884&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42%&quot; style=&quot;text-align:left; background-color:#cceeff; width:42%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Premises and equipment, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;17,068&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;16,100&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Depreciation expense was $1.5 million, $1.5 million and $1.7 million for the years ended March 31, 2012, 2011 and 2010, respectively. The Company is obligated under various noncancellable lease agreements for land and buildings that require future minimum rental payments, exclusive of taxes and other charges.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;During fiscal year 2006, the Company entered into a capital lease for the shell of the building constructed as the Company&amp;#146;s operations center. The lease period is for twelve years with two six-year lease renewal options. For the years ended March 31, 2012, 2011 and 2010, the Company recorded $113,000 in amortization expense. At March 31, 2012 and 2011, accumulated amortization for the capital lease totaled $714,000 and $601,000, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In March 2010, the Company sold two of its branch locations. The Company maintains a substantial continuing involvement in the locations through various non-cancellable operating leases that contain certain renewal options. The resulting gain on sale of $2.1 million was deferred and is being amortized over the life of the respective leases. At March 31, 2012, the deferred gain was $1.8 million and is included in accrued expenses and other liabilities in the accompanying Consolidated Balance Sheets.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following is a schedule of future minimum lease payments under capital leases together with the present value of net minimum lease payments and the future minimum rental payments required under operating leases that have initial or noncancellable lease terms in excess of one year as of March 31, 2012 (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ending March 31:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Operating Lease&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Capital Lease&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;2013&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,767&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;251&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;2014&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,662&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;251&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;2015&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,580&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;251&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;2016&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,595&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;251&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;2017&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,569&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;251&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Thereafter&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,790&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,180&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Total minimum lease payments&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,963&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,435&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Less amount representing interest&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,922&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Present value of net minimum lease payments&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,513&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Rent expense was $1.8 million, $1.8 million and $1.7 million for the years ended March 31, 2012, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:PremisesAndEquipment>
	<fil:RealEstateOwned contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;8.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;REAL ESTATE OWNED&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The following table is a summary of the activity in REO for the periods indicated (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;20%&quot; colspan=&quot;7&quot; style=&quot;text-align:left; width:20%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Balance at beginning of year, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,590&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,325&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,171&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Additions&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,050&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,822&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;19,644&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Dispositions&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(11,671&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(7,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(15,696&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Writedowns&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(4,238&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(924&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(4,794&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Balance at end of year, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,731&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,590&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,325&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;REO expenses for the year ended March 31, 2012 consisted of write-downs on existing REO properties of $4.2 million and operating expenses of $859,000. Net losses on dispositions of REO totaled $556,000 for the year ended March 31, 2012, and were included in other non-interest income in the accompanying Consolidated Statements of Operations.&amp;#160;&amp;#160;REO expenses for the year ended March 31, 2011 consisted of write-downs on existing REO properties of $924,000, operating expenses of $893,000 and net gains on dispositions of REO totaled $386,000 for the year ended March 31, 2011. REO expenses for the year ended March 31, 2010 consisted of write-downs on existing REO properties of $4.8 million, operating expenses of $726,000 and losses on dispositions of REO of $902,000.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:RealEstateOwned>
	<fil:Goodwill1 contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;37&quot; style=&quot;text-align:left; width:27.65pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;9.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1534&quot; style=&quot;text-align:left; width:1150.5pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;GOODWILL&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Goodwill and intangibles generally arise from business combinations accounted for under the purchase method.&amp;#160;&amp;#160;Goodwill and other intangibles deemed to have indefinite lives generated from purchase business combinations are not subject to amortization and are instead tested for impairment no less than annually.&amp;#160;&amp;#160;The Company has one reporting unit, the Bank, for purposes of computing goodwill.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;During the third quarter of fiscal 2012, the Company performed its annual goodwill impairment test to determine whether an impairment of its goodwill asset exists. The goodwill impairment test involves a two-step process. The first step is a comparison of the reporting unit&amp;#146;s fair value to its carrying value. If the reporting unit&amp;#146;s fair value is less than its carrying value, the Company would be required to progress to the second step. In the second step the Company calculates the implied fair value of goodwill. The GAAP standards with respect to goodwill require that the Company compare the implied fair value of goodwill to the carrying amount of goodwill on the Company&amp;#146;s balance sheet.&amp;#160;&amp;#160;If the carrying amount of the goodwill is greater than the implied fair value of that goodwill, an impairment loss must be recognized in an amount equal to that excess. The implied fair value of goodwill is determined in the same manner as goodwill recognized in a business combination. The estimated fair value of the Company is allocated to all of the Company&amp;#146;s individual assets and liabilities, including any unrecognized identifiable intangible assets, as if the Company had been acquired in a business combination and the estimated fair value of the Company is the price paid to acquire it. The allocation process is performed only for purposes of determining the amount of goodwill impairment, as no assets or liabilities are written up or down, nor are any additional unrecognized identifiable intangible assets recorded as a part of this process. The results of the Company&amp;#146;s step one test indicated that the reporting unit&amp;#146;s fair value was less than its carrying value and therefore the Company performed a step two analysis.&amp;#160;&amp;#160;After the step two analysis was completed, the Company determined the implied fair value of goodwill was greater than the carrying value on the Company&amp;#146;s balance sheet and no goodwill impairment existed; however, no assurance can be given that the Company&amp;#146;s goodwill will not be written down in future periods.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;An interim impairment test was not deemed necessary as of March 31, 2012, due to there not being a significant change in the reporting unit&amp;#146;s assets and liabilities, the amount that the fair value of the reporting unit exceeded the carrying value as of the most recent valuation, and because the Company determined that, based on an analysis of events that have occurred and circumstances that have changed since the most recent valuation date, the likelihood that a current fair value determination would be less than the current carrying amount of the reporting unit is remote.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:Goodwill1>
	<fil:DepositAccounts contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;10.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;DEPOSIT ACCOUNTS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Deposit accounts consisted of the following (dollars in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; width:22%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;u&gt;&lt;font style=&quot;text-decoration:underline; font-weight:700&quot;&gt;Account Type&lt;/font&gt;&lt;/u&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; background-color:#cceeff; width:22%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Non-interest-bearing&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;116,882&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;102,429&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; width:22%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Interest checking&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.23&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;106,904&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.18&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;77,399&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; background-color:#cceeff; width:22%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Money market&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.34&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;244,919&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.60&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;236,321&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; width:22%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Savings accounts&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.25&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;45,741&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.35&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;37,231&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; background-color:#cceeff; width:22%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Certificates of deposit&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.99&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;230,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.30&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;263,150&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22%&quot; style=&quot;text-align:left; width:22%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.47&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;744,455&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.71&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;716,530&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The weighted average rate is based on interest rates at the end of the year.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Certificates of deposit in amounts of $100,000 or more totaled $142.0 million and $165.1 million at March 31, 2012 and 2011, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Interest expense by deposit type was as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;20%&quot; colspan=&quot;7&quot; style=&quot;text-align:left; width:20%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Interest checking&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;281&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;239&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;331&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Money market&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,049&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,846&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,360&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Savings accounts&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;124&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;160&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;162&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Certificate of deposit&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,903&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,324&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,782&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,357&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,569&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,635&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:DepositAccounts>
	<fil:JuniorSubordinatedDebentures contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;11.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;JUNIOR SUBORDINATED DEBENTURES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;At March 31, 2012, the Company had two wholly-owned subsidiary grantor trusts that were established for the purpose of issuing trust preferred securities and common securities. The trust preferred securities accrue and pay distributions periodically at specified annual rates as provided in each trust agreement. The trusts used the net proceeds from each of the offerings to purchase a like amount of junior subordinated debentures (the &amp;#147;Debentures&amp;#148;) of the Company. The Debentures are the sole assets of the trusts.&amp;#160;&amp;#160;The Company&amp;#146;s obligations under the Debentures and related documents, taken together, constitute a full and unconditional guarantee by the Company of the obligations of the trusts. The trust preferred securities are mandatorily redeemable upon maturity of the Debentures, or upon earlier redemption as provided in the indentures.&amp;#160;&amp;#160;The Company has the right to redeem the Debentures in whole or in part on or after specific dates, at a redemption price specified in the indentures governing the Debentures plus any accrued but unpaid interest to the redemption date. The Company also has the right to defer the payment of interest on each of the Debentures for a period not to exceed 20 consecutive quarters, provided that the deferral period does not extend beyond the stated maturity. During such deferral period, distributions on the corresponding trust preferred securities will also be deferred and the Company may not pay cash dividends to the holders of shares of our common stock. Beginning in the first quarter of fiscal 2011, the Company elected to defer regularly scheduled interest payments on its outstanding $22.7 million aggregate principal amount of the Debentures. The Company continued with the interest deferral at March 31, 2012. As of March 31, 2012, the Company has deferred a total of $2.6 million of interest payments. During the deferral period, the Company is restricted from paying dividends on its common stock.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Debentures issued by the Company to the grantor trusts, totaling $22.7 million, are reflected in the consolidated balance sheets in the liabilities section, under the caption &amp;#147;junior subordinated debentures.&amp;#148;&amp;#160; The common securities issued by the grantor trusts were purchased by the Company, and the Company&amp;#146;s investment in the common securities of $681,000 at March 31, 2012 and 2011, is included in prepaid expenses and other assets in the consolidated balance sheets.&amp;#160;&amp;#160;The Company records interest expense on the Debentures in the Consolidated Statements of Operations.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following table is a summary of the terms of the current Debentures at March 31, 2012:&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;23%&quot; style=&quot;text-align:left; width:23%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Issuance Trust&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Issuance &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Date&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amount &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Rate Type&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Initial &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Rate&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Maturing &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Date&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;23%&quot; style=&quot;text-align:left; width:23%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;50%&quot; colspan=&quot;11&quot; style=&quot;text-align:left; width:50%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;(Dollars in thousands)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;23%&quot; style=&quot;text-align:left; background-color:#cceeff; width:23%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Riverview Bancorp Statutory Trust I&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&amp;#160;12/2005&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&amp;#160;$&amp;#160;&amp;#160;&amp;#160;&amp;#160;7,217&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;Variable (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.88%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.83%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3/2036&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;23%&quot; style=&quot;text-align:left; width:23%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Riverview Bancorp Statutory Trust II&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;6/2007&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;15,464&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;Fixed (2)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7.03%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7.03%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9/2037&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;23%&quot; style=&quot;text-align:left; background-color:#cceeff; width:23%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&amp;#160;&amp;#160;22,681&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;74%&quot; colspan=&quot;13&quot; style=&quot;text-align:left; width:74%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;(1)&lt;font style=&quot;color:black; letter-spacing:9pt&quot;&gt;&amp;#160;&lt;/font&gt;The trust preferred securities reprice quarterly based on the three-month LIBOR plus 1.36%.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;(2)&lt;font style=&quot;color:black; letter-spacing:9pt&quot;&gt;&amp;#160;&lt;/font&gt;The trust preferred securities bear a fixed quarterly interest rate for 60 months, at which time the rate begins to float on a quarterly&amp;#160;basis&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; &amp;#160; based&amp;#160;on the three-month LIBOR plus 1.35% until maturity.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:JuniorSubordinatedDebentures>
	<fil:IncomeTaxes contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;12.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;INCOME TAXES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Income tax provision (benefit) for the years ended March 31 consisted of the following (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; background-color:#cceeff; width:19%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Current&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(158&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;324&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; width:19%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Deferred&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,536&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,841&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,295&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;19%&quot; style=&quot;text-align:left; background-color:#cceeff; width:19%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,378&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,165&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,277&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The tax effect of temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities at March 31, 2012 and 2011 are as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Deferred tax assets:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Deferred compensation&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;512&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;469&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Loan loss reserve&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,149&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,373&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Accrued expenses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;245&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;265&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Accumulated depreciation&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;568&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;518&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Deferred gain on sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;402&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;460&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Tax credit carryforwards&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,111&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Net unrealized loss on securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;603&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;730&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Impairment on investment security&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;233&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;233&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;REO expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,814&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,833&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Non-compete&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;106&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;119&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Other&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;367&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;205&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Valuation allowance for deferred tax assets&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(16,830&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total deferred tax asset&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,280&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11,205&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;FHLB stock dividend&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,063&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,063&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Purchase accounting&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(49&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(79&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Prepaid expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(178&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(167&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Loan fees/costs&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(387&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(449&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total deferred tax liability&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,677&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,758&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;34%&quot; style=&quot;text-align:left; background-color:#cceeff; width:34%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Deferred tax asset, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;603&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,447&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;A reconciliation of the Company&amp;#146;s effective income tax rate with the federal statutory tax rate for the years ended March 31 is as follows:&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; width:50%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&amp;#160;&lt;b&gt;2012&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; background-color:#cceeff; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Statutory federal income tax rate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;34.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;State and local income tax rate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; background-color:#cceeff; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;ESOP market value adjustment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.2&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Interest income on municipal securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.3&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; background-color:#cceeff; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Bank owned life insurance&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.9&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3.3&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Valuation adjustment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(72.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; background-color:#cceeff; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Other, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.1&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.7&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; background-color:#cceeff; width:5%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.9&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;50%&quot; style=&quot;text-align:left; width:50%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Effective federal income tax rate&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(36.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;33.4&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;5%&quot; style=&quot;text-align:left; width:5%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;37.6&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;There were no taxes related to the gains on sales of securities for the years ended March 31, 2012, 2011 and 2010. The tax effects of certain tax benefits related to stock options are recorded directly to shareholders&amp;#146; equity.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Bank&amp;#146;s retained earnings at March 31, 2012 and 2011 include base year bad debt reserves, which amounted to $2.2 million, for which no federal income tax liability has been recognized.&amp;#160;&amp;#160;The amount of unrecognized deferred tax liability at March 31, 2012 and 2011 was $781,000.&amp;#160;&amp;#160;This represents the balance of bad debt reserves created for tax purposes as of December 31, 1987.&amp;#160;&amp;#160;These amounts are subject to recapture in the unlikely event that the Company&amp;#146;s banking subsidiaries (1) make distributions in excess of current and accumulated earnings and profits, as calculated for federal tax purposes, (2) redeem their stock, or (3) liquidate.&amp;#160;&amp;#160;Management does not expect this temporary difference to reverse in the foreseeable future. At March 31, 2012, the Company had a deferred tax asset of $4.9 million and $1.2 million for federal and state, net operating loss carryforwards, respectively, which will expire in 2032.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;At March 31, 2012 and 2011, the Company had no unrecognized tax benefits or uncertain tax positions. In addition, the Company had no accrued interest or penalties as of March 31, 2012 or 2011. It is the Company&amp;#146;s policy to recognize potential accrued interest and penalties as a component of income tax expense. The Company is subject to U.S. federal income tax and income tax of the State of Oregon. The years 2008 to 2011 remain open to examination for federal income taxes, and years 2007 to 2011 remain open to State examination.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In accordance with current accounting guidance, a valuation allowance is required to be recognized if it is &amp;#147;more likely than not&amp;#148; that all or a portion of the deferred tax assets will not be realized. &amp;#147;More likely than not&amp;#148; is defined as greater than 50% probability of occurrence. A determination as to the ultimate realization of the deferred tax assets is dependent upon management&amp;#146;s judgment and evaluation of both positive and negative evidence, forecasts of future taxable income, applicable tax planning strategies, and an assessment of current and future economic and business conditions. Positive evidence reviewed included long-term earnings history prior to recent economic downturn, recent improved performance trends, proven ability to utilize deferred tax credits, projection of future income, capital levels and net operating loss carryback availability. Negative evidence reviewed consisted primarily of the losses sustained by the Company during fiscal year 2012.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;After considering both the positive and negative factors, management carried a valuation allowance for deferred taxes of $16.8 million as of March 31, 2012. The Company did not have a valuation allowance for deferred tax assets at March 31, 2011.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:IncomeTaxes>
	<fil:EmployeeBenefitPlans contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;13.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;EMPLOYEE BENEFIT PLANS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Retirement Plan&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; - The Riverview Bancorp, Inc. Employees&amp;#146; Savings and Profit Sharing Plan (the &amp;#147;Plan&amp;#148;) is a defined contribution profit-sharing plan incorporating the provisions of Section 401(k) of the Internal Revenue Code. Company expenses related to the Plan for the years ended March 31, 2012, 2011 and 2010 were $401,000, $399,000 and $401,000, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Directors Deferred Compensation Plan&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; - Directors may elect to defer their monthly directors&amp;#146; fees until retirement with no income tax payable by the director until retirement benefits are received.&amp;#160;&amp;#160;Chairman, President, Executive and Senior Vice Presidents of the Company may also defer salary into this plan. This alternative is made available to them through a nonqualified deferred compensation plan. The Company accrues annual interest on the unfunded liability under the Directors Deferred Compensation Plan based upon a formula relating to gross revenues, which amounted to 4.51%, 5.00% and 5.13% for the years ended March 31, 2012, 2011 and 2010, respectively. The estimated liability under the plan is accrued as earned by the participant. At March 31, 2012 and 2011, the Company&amp;#146;s aggregate liability under the plan was $1.4 million and $1.3 million, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Stock Option Plans&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &lt;i&gt;-&lt;/i&gt; In July 1998, shareholders of the Company approved the adoption of the 1998 Stock Option Plan (&amp;#147;1998 Plan&amp;#148;). The 1998 Plan was effective October 1, 1998 and terminated on October 1, 2008.&amp;#160;&amp;#160;Accordingly, no further option awards may be granted under the 1998 Plan; however, any awards granted prior to its expiration remain outstanding subject to their terms. Each option granted under the 1998 Plan has an exercise price equal to the fair market value of the Company&amp;#146;s common stock on the date of the grant, a maximum term of ten years and a vesting period from zero to five years.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In July 2003, shareholders of the Company approved the adoption of the 2003 Stock Option Plan (&amp;#147;2003 Plan&amp;#148;). The 2003 Plan was effective July 2003 and will expire on the tenth anniversary of the effective date, unless terminated sooner by the Board. Under the 2003 Plan, the Company may grant both incentive and non-qualified stock options to purchase up to 458,554 shares of its common stock to officers, directors and employees. Each option granted under the 2003 Plan has an exercise price equal to the fair market value of the Company&amp;#146;s common stock on the date of grant, a maximum term of ten years and a vesting period from zero to five years. At March 31, 2012, there were options for 102,000 shares of the Company&amp;#146;s common stock available for future grant under the 2003 Plan.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The fair value of each stock option granted is estimated on the date of grant using the Black-Scholes based stock option valuation model. The fair value of all awards is amortized on a straight-line basis over the requisite service periods, which are generally the vesting periods. The Black-Scholes model uses the assumptions listed in the table below.&amp;#160;&amp;#160;The expected life of options granted represents the period of time that they are expected to be outstanding. The expected life is determined based on historical experience with similar options, giving consideration to the contractual terms and vesting schedules. Expected volatility was estimated at the date of grant based on the historical volatility of the Company&apos;s common stock. Expected dividends are based on dividend trends and the market value of the Company&apos;s common stock at the time of grant. The risk-free interest rate is based on the U.S. Treasury yield curve in effect at the time of grant. The Company did not grant stock options during the year ended March 31, 2012.&amp;#160;&amp;#160;The Company granted 21,000 and 122,000 stock options during the years ended March 31, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Risk Free&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Interest Rate&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Expected&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Life (yrs)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Expected&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Volatility&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Expected&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Dividends&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; background-color:#cceeff; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Fiscal 2012&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Fiscal 2011&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;2.50%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;6.25&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;45.05%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;2.77%&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; background-color:#cceeff; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Fiscal 2010&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;3.08%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;6.25&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;37.55%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;2.45%&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The weighted average grant-date fair value of fiscal years 2011 and 2010 awards were $0.85 and $1.22, respectively.&amp;#160;&amp;#160;As of March 31, 2012, unrecognized compensation cost related to nonvested stock options totaled $5,000.&amp;#160;&amp;#160;The Company recognized pre-tax compensation expense related to stock options of $12,000, $77,000 and $112,000 for the years ended March 31, 2012, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following table presents the activity related to options under all plans for the years indicated.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;55%&quot; colspan=&quot;15&quot; style=&quot;text-align:left; width:55%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;16%&quot; colspan=&quot;4&quot; style=&quot;text-align:left; width:16%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;16%&quot; colspan=&quot;4&quot; style=&quot;text-align:left; width:16%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;18%&quot; colspan=&quot;4&quot; style=&quot;text-align:left; width:18%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Number of&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;Shares&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercise &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Number of &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercise &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Number of &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercise &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; background-color:#cceeff; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Balance, beginning of period&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;468,700&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;465,700&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.35&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;371,696&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10.99&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Grants&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;21,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2.39&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;122,000&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3.82&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; background-color:#cceeff; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Options exercised&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&amp;#160;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Forfeited&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(28,200&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11.17&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(18,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10.26&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(8,000)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10.82&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; background-color:#cceeff; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Expired&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(19,996)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.50&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Balance, end of period&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;440,500&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.87&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;468,700&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.00&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;465,700&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.35&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Additional information regarding options outstanding as of March 31, 2012 is as follows:&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:1.5in; padding:0; margin:0&quot;&gt;`&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;18%&quot; colspan=&quot;4&quot; style=&quot;text-align:left; width:18%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Options Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;18%&quot; colspan=&quot;4&quot; style=&quot;text-align:left; width:18%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Options Exercisable&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted Avg&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Range of&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Number&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Number&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercise Price&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Life (years)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Exercisable&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; background-color:#cceeff; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$1.97 - $6.17&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7.42&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;174,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.14&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;167,400&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.21&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$6.51 - $6.88&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.10&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;20,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6.76&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;20,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6.76&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; background-color:#cceeff; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$7.49 - $9.51&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.47&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;32,500&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.45&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;32,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.46&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$10.10 - $10.83&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.65&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10.37&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10.37&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; background-color:#cceeff; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$12.98 - $14.52&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.05&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;205,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13.09&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;205,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13.09&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;12%&quot; style=&quot;text-align:left; width:12%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.02&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;440,500&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.87&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;433,400&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.97&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The following table presents information on stock options outstanding for the periods shown, less estimated forfeitures.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;3&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;3&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; background-color:#cceeff; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Stock options fully vested and expected to vest:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Number&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;439,825&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;466,525&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; background-color:#cceeff; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Weighted average exercise price&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.87&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.01&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Aggregate intrinsic value (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; background-color:#cceeff; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Weighted average contractual term of options (years)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.02&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.98&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Stock options fully vested and currently exercisable:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; background-color:#cceeff; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Number&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;433,400&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;446,900&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Weighted average exercise price&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.97&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.22&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; background-color:#cceeff; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Aggregate intrinsic value (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Weighted average contractual term of options (years)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.97&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5.85&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;39%&quot; style=&quot;text-align:left; background-color:#cceeff; width:39%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;4%&quot; style=&quot;text-align:left; background-color:#cceeff; width:4%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;&amp;#160;(1)&amp;#160; The aggregate intrinsic value of a stock options in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price) that would have been received by the option holders had all option holders exercised.&amp;#160;&amp;#160;This amount changes based on changes in the market value of the Company&amp;#146;s stock.&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;There were no stock options exercised for the years ended March 31, 2012, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:EmployeeBenefitPlans>
	<fil:EmployeeStockOwnershipPlan contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;14.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;EMPLOYEE STOCK OWNERSHIP PLAN&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company sponsors an ESOP that covers all employees with at least one year and 1,000 hours of service who are over the age of 21.&amp;#160;&amp;#160;Shares are released and allocated to participant accounts on December 31 of each year until 2017. ESOP compensation expense included in salaries and employee benefits was $62,000, $64,000 and $73,000 for years ended March 31, 2012, 2011 and 2010, respectively.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;ESOP share activity is summarized in the following table:&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:1.5in; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;of&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unreleased&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Unreleased&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;ESOP&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Allocated&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;and Released&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; background-color:#cceeff; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Balance, March 31, 2009&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;858,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;221,697&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;740,887&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;962,584&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Allocation December 31, 2009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(24,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;24,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; background-color:#cceeff; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Balance, March 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;453,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;197,064&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;765,520&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;962,584&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Allocation December 31, 2010&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(24,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;24,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; background-color:#cceeff; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Balance, March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;524,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;172,431&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;790,153&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;962,584&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Allocation December 31, 2011&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(24,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;24,633&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;25%&quot; style=&quot;text-align:left; background-color:#cceeff; width:25%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Balance, March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;334,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;147,798&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;814,786&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;962,584&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:EmployeeStockOwnershipPlan>
	<fil:ShareholdersEquityAndRegulatoryCapitalRequirements contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;15.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;SHAREHOLDERS&amp;#146; EQUITY AND REGULATORY CAPITAL REQUIREMENTS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company&amp;#146;s articles of incorporation authorize 250,000 shares of serial preferred stock.&amp;#160;&amp;#160;No preferred shares were issued or outstanding at March 31, 2012 or 2011.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Bank is subject to various regulatory capital requirements administered by the Office of the Comptroller of the Currency (&amp;#147;OCC&amp;#148;)&lt;i&gt;.&lt;b&gt;&amp;#160;&lt;/b&gt;&lt;/i&gt;Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on&lt;i&gt;&amp;#160;&lt;/i&gt;the Bank&amp;#146;s&lt;i&gt;&amp;#160;&lt;/i&gt;financial statements&lt;b&gt;&lt;i&gt;. &lt;/i&gt;&lt;/b&gt;Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank&amp;#146;s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank&amp;#146;s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios of total and tier I capital to risk-weighted assets, core capital to total assets and tangible capital to tangible assets (set forth in the table below).&lt;b&gt;&lt;i&gt;&amp;#160;&lt;/i&gt;&lt;/b&gt;Management believes the Bank met all capital adequacy requirements to which it was subject to as of March 31, 2012.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;As of March 31, 2012, the most recent notification from the OCC categorized the Bank as &amp;#147;well capitalized&amp;#148; under the regulatory framework for prompt corrective action&lt;i&gt;. &lt;/i&gt;To be categorized as &amp;#147;well capitalized,&amp;#148; the Bank must maintain minimum total capital and tier I capital to risk weighted assets, core capital to total assets and tangible capital to tangible assets (set forth in the table below)&lt;i&gt;.&lt;/i&gt;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Bank&amp;#146;s actual and required minimum capital amounts and ratios are as follows (dollars in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;13%&quot; colspan=&quot;3&quot; style=&quot;text-align:left; width:13%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;13%&quot; colspan=&quot;3&quot; style=&quot;text-align:left; width:13%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;For Capital &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Adequacy &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Purposes&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;13%&quot; colspan=&quot;3&quot; style=&quot;text-align:left; width:13%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#147;Well Capitalized&amp;#148; &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Under Prompt &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Corrective Action&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total Capital:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;(To Risk-Weighted Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;80,834&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12.11&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;53,399&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;66,749&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;% (1)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Tier 1 Capital:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;(To Risk-Weighted Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;72,354&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10.84&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;26,700&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;40,049&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Tier 1 Capital (Leverage):&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; (To Adjusted Tangible Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;72,354&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.76&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;33,034&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,292&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;(1)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Tangible Capital:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;(To Tangible Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;72,354&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.76&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,388&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;N/A&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;N/A&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total Capital:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;(To Risk-Weighted Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;101,002&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14.61&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;55,312&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;%&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;69,140&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;% (1)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Tier 1 Capital:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;(To Risk-Weighted Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;92,307&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13.35&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,656&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,484&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Tier 1 Capital (Leverage):&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; background-color:#cceeff; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160; (To Adjusted Tangible Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;92,307&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11.24&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;32,845&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,056&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8.0&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; background-color:#cceeff; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;(1)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Tangible Capital:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;26%&quot; style=&quot;text-align:left; width:26%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;(To Tangible Assets)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;92,307&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11.24&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12,317&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1.5&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;N/A&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;N/A&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;3%&quot; style=&quot;text-align:left; width:3%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;48&quot; style=&quot;text-align:left; width:0.5in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1)&amp;#160;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;The Bank agreed to establishing higher minimum capital ratios and must maintain a Tier 1 capital (leverage) ratio of not less than 9.0% and a total risked-based capital ratio of not less than 12.0%&amp;#160;&amp;#160;in order to be deemed &amp;#147;well capitalized&amp;#148;.&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;48&quot; style=&quot;text-align:left; width:0.5in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2)&amp;#160;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;The Bank agreed to establishing higher minimum capital ratios and must maintain a Tier 1 capital (leverage) ratio of not less than 8.0% and a total risked-based capital ratio of not less than 12.0%&amp;#160;&amp;#160;in order to be deemed &amp;#147;well capitalized&amp;#148;.&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;At periodic intervals, the OCC and the FDIC routinely examine the Bank&amp;#146;s Consolidated Financial Statements as part of their legally prescribed oversight. Based on their examinations, these regulators can direct that the Company&amp;#146;s Consolidated Financial Statements be adjusted in accordance with their findings. A future examination by the OCC or the FDIC could include a review of certain transactions or other amounts reported in the Company&amp;#146;s 2012 Consolidated Financial Statements.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company did not repurchase any shares of common stock for the years ended March 31, 2012, 2011 or 2010.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:ShareholdersEquityAndRegulatoryCapitalRequirements>
	<fil:EarningsPerShare contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;16.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;EARNINGS PER SHARE&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Basic earnings per share (&amp;#147;EPS&amp;#148;) is computed by dividing net income or loss applicable to common stock by the weighted average number of common shares outstanding during the period, without considering any dilutive items. Diluted EPS is computed by dividing net income applicable to common stock by the weighted average number of common shares and common stock equivalents for items that are dilutive, net of shares assumed to be repurchased using the treasury stock method at the average share price for the Company&amp;#146;s common stock during the period. Common stock equivalents arise from assumed conversion of outstanding stock options. ESOP shares are not considered outstanding for EPS purposes until they are committed to be released. For the years ended March 31, 2012, 2011 and 2010, stock options for 454,000, 465,000 and 414,000 shares, respectively, of common stock were excluded in computing diluted EPS because they were antidilutive.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td style=&quot;text-align:left; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;10&quot; style=&quot;text-align:left; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Year Ended March 31,&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td style=&quot;text-align:left; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;(Dollars and share data in thousands, except per share data)&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;2&quot; style=&quot;text-align:left; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;2&quot; style=&quot;text-align:left; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;2&quot; style=&quot;text-align:left; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; text-indent:-9pt; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Basic EPS computation:&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; background-color:#cceeff; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Numerator-net income (loss)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(31,657&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,315&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(5,444&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;Denominator-weighted average&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;common shares outstanding&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,318&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,341&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,721&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Basic EPS&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1.42&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.24&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.51&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Diluted EPS computation:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Numerator-net income (loss)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(31,657&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,315&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(5,444&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Denominator-weighted average&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:-9pt; padding:0; margin:0&quot;&gt;common shares outstanding&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,318&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,341&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,721&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Effect of dilutive stock options&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Weighted average common shares&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.5in; padding:0; margin:0&quot;&gt;and common stock equivalents (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,318&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,341&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,721&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Diluted EPS&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1.42&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.24&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.51&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;font style=&quot;display:none&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;div style=&quot;text-align:center; padding:0; margin:auto&quot; align=&quot;center&quot;&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:27pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;(1) For the year ended March 31, 2012 and 2010&amp;#160;&amp;#160;the Company recognized a net loss and therefore all outstanding stock options &lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160; were excluded from the calculation of diluted earnings per share because they were antidilutive.&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:EarningsPerShare>
	<fil:FairValueMeasurement contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;36&quot; style=&quot;text-align:left; width:26.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;17.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1535&quot; style=&quot;text-align:left; width:1151.25pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;FAIR VALUE MEASUREMENT&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Fair Value Measurements and Disclosure topic of the FASB Accounting Standards Codification defines fair value and establishes a framework for measuring fair value in GAAP, and expands disclosures about fair value measurements.&amp;#160;&amp;#160;The following definitions describe the categories used in the tables presented under fair value measurement.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0 0.6in 0 0.4in&quot;&gt;Quoted prices in active markets for identical assets (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date.&amp;#160;&amp;#160;An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0 0.6in 0 0.4in&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0 0.6in 0 0.4in&quot;&gt;Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0 0.6in 0 0.4in&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0 0.6in 0 0.4in&quot;&gt;Significant unobservable inputs (Level 3): Inputs that reflect the reporting entity&apos;s own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Financial instruments are broken down in the tables that follow by recurring or nonrecurring measurement status.&amp;#160;&amp;#160;Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. Assets measured on a nonrecurring basis are assets that, as a result of an event or circumstance, were required to be remeasured at fair value after initial recognition in the financial statements at some time during the reporting period.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following tables present assets that are measured at fair value on a recurring basis (in thousands).&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;32%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:32%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair value measurements at March 31, 2012, using&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Quoted prices in &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;active markets &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;for identical &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Other &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;observable &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Significant &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;unobservable &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; background-color:#cceeff; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Investment securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Trust preferred&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; background-color:#cceeff; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Agency securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,999&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Municipal bonds&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;149&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;149&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; background-color:#cceeff; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;Real estate mortgage investment conduits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;329&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;329&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; background-color:#cceeff; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;FHLMC mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;636&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;636&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:-0.25in; padding:0; margin:0&quot;&gt;FNMA mortgage-backed securities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; background-color:#cceeff; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;30%&quot; style=&quot;text-align:left; width:30%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total recurring assets measured at fair value&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,288&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,122&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following table presents a reconciliation of assets that are measured at fair value on a recurring basis using significant unobservable inputs (Level 3) during the year ended March 31, 2012 (in thousands). There were no transfers of assets in to or out of Level 3 for the year ended March 31, 2012.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;90%&quot; style=&quot;text-align:left; width:90%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;For the Year Ended &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; background-color:#cceeff; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Balance at March 31, 2011&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; background-color:#cceeff; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;916&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Transfers in to Level 3&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; background-color:#cceeff; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Included in earnings (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; background-color:#cceeff; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Included in other comprehensive income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;250&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; background-color:#cceeff; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Balance at March 31, 2012&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; background-color:#cceeff; width:15%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;(1) Included in other non-interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;69%&quot; style=&quot;text-align:left; width:69%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;15%&quot; style=&quot;text-align:left; width:15%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;14%&quot; style=&quot;text-align:left; width:14%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following method was used to estimate the fair value of each class of financial instrument above:&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Investments and Mortgage-Backed Securities &lt;/font&gt;&lt;/b&gt;&amp;#150; Investment securities available-for-sale are included within Level 1 of the hierarchy when quoted prices in an active market for identical assets are available. The Company uses a third party pricing service to assist the Company in determining the fair value of its Level 2 securities, which incorporates pricing models and/or quoted prices of investment securities with similar characteristics. Our Level 3 assets consist of a single pooled trust preferred security.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;For Level 2 securities, the Company uses an independent pricing service to assist management in determining fair values of investment securities available-for-sale. This service provides pricing information by utilizing evaluated pricing models supported with market data information. Standard inputs include benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data from market research publications. Investments securities that are deemed to have been trading in illiquid or inactive markets may require the use of significant unobservable inputs. The Company&amp;#146;s third-party pricing service has established processes for us to submit inquiries regarding quoted prices. The Company&amp;#146;s third-party pricing service will review the inputs to the evaluation in light of any new market data presented by us. The Company&amp;#146;s third-party pricing service may then affirm the original quoted price or may update the evaluation on a going forward basis.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Management reviews the pricing information received from the third party-pricing service through a combination of procedures that include an evaluation of methodologies used by the pricing service, analytical reviews and performance analysis of the prices against statistics and trends and maintenance of an investment watch list. Based on this review, management determines whether the current placement of the security in the fair value hierarchy is appropriate or whether transfers may be warranted. As necessary, the Company compares prices received from the pricing service to discounted cash flow models or through performing independent valuations of inputs and assumptions similar to those used by the pricing service in order to ensure prices represent a reasonable estimate of fair value.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The Company has determined that the market for its single trust preferred pooled security was inactive. This determination was made by the Company after considering the last known trade date for this specific security, the low number of transactions for similar types of securities, the low number of new issuances for similar securities, the significant increase in the implied liquidity risk premium for similar securities, the lack of information that is released publicly and discussions with third-party industry analysts. Due to the inactivity in the market, observable market data was not readily available for all significant inputs for this security. Accordingly, the trust preferred pooled security was classified as Level 3 in the fair value hierarchy. The Company utilized observable inputs where available, unobservable data and modeled the cash flows adjusted by an appropriate liquidity and credit risk adjusted discount rate using an income approach valuation technique in order to measure the fair value of the security. Significant unobservable inputs were used that reflect the Company&amp;#146;s assumptions of what a market participant would use to price the security. Significant unobservable inputs included selecting an appropriate discount rate, default rate and repayment assumptions. The Company estimated the discount rate by comparing rates for similarly rated corporate bonds, with additional consideration given to market liquidity. The default rates and repayment assumptions were estimated based on the individual issuer&amp;#146;s financial conditions, historical repayment information, as well as the Company&amp;#146;s future expectations of the capital markets.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following table represents certain loans and REO, which were marked down to their fair value for the year ended March 31, 2012. The following assets are measured at fair value on a nonrecurring basis (in thousands).&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;29%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; width:29%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair value measurements at March 31, 2012, using&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Quoted prices &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;in active &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;markets for &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;identical assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Other &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;observable &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Significant &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;unobservable &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans measured for impairment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;48,305&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;48,305&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate owned&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,078&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,078&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Total nonrecurring assets measured at fair value&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;61,383&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;61,383&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The following table presents quantitative information about Level 3 inputs for financial instruments measured at fair value on a nonrecurring basis at March 31, 2012 (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Valuation &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;technique&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Significant unobservable inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Range&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans measured for impairment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;Appraised value&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; background-color:#cceeff; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;Adjustment for market conditions&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;0% - 11%&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;20%&quot; style=&quot;text-align:left; background-color:#cceeff; width:20%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Real estate owned&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;Appraised value&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;21%&quot; style=&quot;text-align:left; background-color:#cceeff; width:21%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;Adjustment for market conditions&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;2%&quot; style=&quot;text-align:left; background-color:#cceeff; width:2%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;0% - 11%&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following method was used to estimate the fair value of each class of financial instrument above:&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Impaired loans &lt;/font&gt;&lt;/b&gt;&amp;#150; A loan is considered to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due (both interest and principal) according to the contractual terms of the loan agreement. For information regarding the Company&amp;#146;s method for estimating the fair value of impaired loans, see Note 1 &amp;#150; Summary of Significant Accounting Policies &amp;#150; Allowance for Loan Losses.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;In determining the net realizable value of the underlying collateral, we primarily rely on third party appraisals which may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available and include consideration for variations in location, size, and income production capacity of the property. Additionally, the appraisals are periodically further adjusted by the Company in consideration of charges that may be incurred in the event of foreclosure and are based on management&amp;#146;s historical knowledge, changes in business factors and changes in market conditions. There were no additional adjustments made by the Company to impaired loans measured at fair value at March 31, 2012.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Impaired loans are reviewed and evaluated quarterly for additional impairment and adjusted accordingly, based on the same factors identified above. Because of the high degree of judgment required in estimating the fair value of collateral underlying impaired loans and because of the relationship between fair value and general economic conditions, we consider the fair value of impaired loans to be highly sensitive to changes in market conditions.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Real estate owned&lt;/font&gt;&lt;/b&gt; &amp;#150; REO is real property that the Bank has taken ownership of in partial or full satisfaction of a loan or loans. REO is recorded at the lower of the carrying amount of the loan or fair value less estimated costs to sell. This amount becomes the property&amp;#146;s new basis. Any write downs based on the property&amp;#146;s fair value less estimated costs to sell at the date of acquisition are charged to the allowance for loan losses. Management periodically reviews REO in an effort to ensure the property is carried at the lower of its new basis or fair value, net of estimated costs to sell.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Management considers third party appraisals in determining the fair value of particular properties. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the appraisers to adjust for differences between the comparable sales and income data available and include consideration for variations in location, size, and income production capacity of the property. Additionally, the appraisals are periodically further adjusted by the Company in consideration of charges that may be incurred in the event of foreclosure and are based on management&amp;#146;s historical knowledge, changes in business factors and changes in market conditions.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Management periodically reviews REO to ensure the property is carried at the lower of its new basis or fair value, net of estimated costs to sell. Any additional write-downs based on re-evaluation of the property fair value are charged to non-interest expense. Because of the high degree of judgment required in estimating the fair value of REO and because of the relationship between fair value and general economic conditions, we consider the fair value of REO to be highly sensitive to changes in market conditions.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:FairValueMeasurement>
	<fil:FairValueOfFinancialInstruments contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;18.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;FAIR VALUE OF FINANCIAL INSTRUMENTS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The following disclosure of the estimated fair value of financial instruments is made in accordance with applicable accounting standards. The Company, using available market information and appropriate valuation methodologies, has determined the estimated fair value amounts. However, considerable judgment is necessary to interpret market data in the development of the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in the future. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;The estimated fair value of financial instruments is as follows (in thousands):&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Carry Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Quoted prices &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;in active &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;markets for &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;identical assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Other &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;observable &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Significant &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;unobservable &lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;inputs&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Assets:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Cash&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;46,393&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;46,393&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;46,393&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Certificates of deposit held for investment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,473&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,767&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41,767&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Investment securities held to maturity&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;493&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;542&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;542&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Investment securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,314&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,148&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,166&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,314&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities held to maturity&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;171&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;177&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;177&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;974&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;974&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;974&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans receivable, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;664,888&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;596,552&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;596,552&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans held for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;480&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;480&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;480&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Federal Home Loan Bank stock&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,350&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,350&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,350&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage servicing rights&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;278&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;767&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;767&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Demand &amp;#150; savings deposits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;514,446&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;514,446&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;514,446&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Time deposits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;230,009&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;231,631&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;231,631&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Junior subordinated debentures&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,681&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,831&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,831&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;31%&quot; colspan=&quot;8&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Assets:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Cash&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;51,752&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;51,752&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;51,752&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Certificates of deposit held for investment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;14,900&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;15,006&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;15,006&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Investment securities held to maturity&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;506&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;556&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;556&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Investment securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,320&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,404&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;916&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;6,320&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities held to maturity&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; text-indent:9pt; padding:0; margin:0&quot; align=&quot;right&quot;&gt;190&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;199&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;199&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage-backed securities available for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,777&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,777&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,777&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans receivable, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;672,609&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;575,027&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;575,027&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Loans held for sale&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;173&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;173&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;173&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Federal Home Loan Bank stock&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,350&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,350&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,350&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Mortgage servicing rights&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;396&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;970&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;970&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Liabilities:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Demand &amp;#150; savings deposits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;453,380&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;453,380&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;453,380&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; background-color:#cceeff; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Time deposits&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;263,150&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;265,079&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; background-color:#cceeff; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;265,079&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;28%&quot; style=&quot;text-align:left; width:28%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160; Junior subordinated debentures&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,681&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;8%&quot; style=&quot;text-align:left; width:8%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,574&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;13,574&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;div style=&quot;text-align:center; padding:0; margin:auto&quot; align=&quot;center&quot;&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;22&quot; style=&quot;text-align:left; width:16.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td style=&quot;text-align:left; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Fair value estimates were based on existing financial instruments without attempting to estimate the value of anticipated future business. The fair value was not estimated for assets and liabilities that were not considered financial instruments.&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;Fair value estimates, methods and assumptions are set forth below.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Cash&lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/i&gt;- Fair value approximates the carrying amount.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Certificates of Deposit held for investment &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; The fair value of certificates of deposit with stated maturity was based on the discounted value of contractual cash flows. The discount rate was estimated using rates currently available in the local market.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Investments and Mortgage-Backed Securities &lt;/font&gt;&lt;/i&gt;&lt;/b&gt;&amp;#150; Fair values were based on quoted market rates and dealer quotes. The fair value of the trust preferred investment was determined using a discounted cash flow method (see also Note 17 &amp;#150; Fair Value Measurements).&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Loans Receivable and Loans Held for Sale&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; &amp;#150; Performing and noncriticized loans were priced using a discounted cash flow analysis. Nonperforming and criticized loans were priced using comparable market statistics. The nonperforming and criticized loan portfolio was segregated and a weighted average valuation discount that approximated similar loan sales was applied to each of these categories. The fair value of loans held for sale was based on the loans carrying value as the agreements to sell these loans are short term fixed rate commitments and no material difference between the carrying value is likely.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Mortgage Servicing Rights&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; -&lt;i&gt;&amp;#160;&lt;/i&gt;The fair value of MSRs was determined using the Company&amp;#146;s model, which incorporates the expected life of the loans, estimated cost to service the loans, servicing fees received and other factors. The Company calculates MSRs fair value by stratifying MSRs based on the predominant risk characteristics that include the underlying loan&amp;#146;s interest rate, cash flows of the loan, origination date and term. Key economic assumptions that vary due to changes in market interest rates are used to determine the fair value of the MSRs and include expected prepayment speeds, which impact the average life of the portfolio, annual service cost, annual ancillary income and the discount rate used in valuing the cash flows. At March 31, 2012, the MSRs fair value totaled $767,000 which was estimated using a range of prepayment speed assumptions values that ranged from 110 to 781.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Deposits&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; - The fair value of deposits with no stated maturity such as non-interest-bearing demand deposits, interest checking, money market and savings accounts was equal to the amount payable on demand. The fair value of time deposits with stated maturity was based on the discounted value of contractual cash flows. The discount rate was estimated using rates currently available in the local market.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Junior Subordinated Debentures&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; - The fair value of the Debentures was based on the discounted cash flow method. Management believes that the discount rate utilized is indicative of those that would be used by market participants for similar types of debentures.&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:justify; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;i&gt;&lt;font style=&quot;font-style:italic; font-weight:700&quot;&gt;Off-Balance Sheet Financial Instruments&lt;/font&gt;&lt;/i&gt;&lt;/b&gt; - The estimated fair value of loan commitments approximates fees recorded associated with such commitments as of March 31, 2012 and 2011. Since the majority of the Bank&amp;#146;s off-balance-sheet instruments consist of non-fee producing, variable rate commitments, the Bank has determined they do not have a distinguishable fair value.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:FairValueOfFinancialInstruments>
	<fil:CommitmentsAndContingencies1 contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;35&quot; style=&quot;text-align:left; width:25.95pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;19.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1536&quot; style=&quot;text-align:left; width:16in; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;COMMITMENTS AND CONTINGENCIES&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The Company is a 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 generally include commitments to originate mortgage, commercial and consumer loans. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The Company&amp;#146;s maximum exposure to credit loss in the event of nonperformance by the borrower is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments as it does for on-balance sheet instruments. Commitments to originate loans are conditional, and are honored for up to 45 days subject to the Company&amp;#146;s usual terms and conditions. Collateral is not required to support commitments. At March 31, 2012, the Company had outstanding commitments to extend credit totaling $22.5 million, unused lines of credit totaling $55.4 million and undisbursed construction loans totaling $7.1 million.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily used to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Collateral held varies as specified above, and is required in instances where the Bank deems necessary. At March 31, 2012 and 2011, standby letters of credit totaled $1.1 million.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;In connection with certain asset sales, the Bank typically makes representation and warranties about the underlying assets conforming to specified guidelines. If the underlying assets do not conform to the specifications, the Bank may have an obligation to repurchase the assets or indemnify the purchaser against loss. As of March 31, 2012, loans under warranty totaled $90.7 million, which substantially represents the unpaid principal balance of the Bank&amp;#146;s loans serviced for FHLMC. The Bank believes that the potential for loss under these arrangements is remote. Accordingly, no contingent liability is recorded in the Consolidated Financial Statements. At March 31, 2012, the Company had firm commitments to sell $1.6 million of residential loans to FHLMC. Typically, these agreements are short term fixed rate commitments and no material gain or loss is likely.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The Bank is a public depository and, accordingly, accepts deposit and other public funds belonging to, or held for the benefit of, Washington and Oregon states, political subdivisions thereof and, municipal corporations.&amp;#160;&amp;#160;In accordance with applicable state law, in the event of default of a participating bank, all other participating banks in the state collectively assure that no loss of funds are suffered by any public depositor.&amp;#160;&amp;#160;Generally, in the event of default by a public depositary, the assessment attributable to all public depositaries is allocated on a pro rata basis in proportion to the maximum liability of each depository as it existed on the date of loss.&amp;#160;&amp;#160;The Company has not incurred any losses related to public depository funds for the years ended March 31, 2012, 2011 and 2010.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The Company is party to litigation arising in the ordinary course of business. In the opinion of management, these actions will not have a material adverse effect, if any, on the Company&amp;#146;s financial position or results of operations.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;The Bank has entered into employment contracts with certain key employees, which provide for contingent payment subject to future events.&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;</fil:CommitmentsAndContingencies1>
	<fil:RiverviewBancorpIncParentCompany contextRef='D110401_120331'>&lt;!--egx--&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;42&quot; style=&quot;text-align:left; width:31.8pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;20.&amp;#160;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1529&quot; style=&quot;text-align:left; width:1146.75pt; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;RIVERVIEW BANCORP, INC. (PARENT COMPANY)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;BALANCE SHEETS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;MARCH 31, 2012 AND 2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(In thousands)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; background-color:#cceeff; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;ASSETS&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Cash and cash equivalents (including interest earning accounts of&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;$2,856 and $4,000)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,904&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,059&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; background-color:#cceeff; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Investment in the Bank&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;96,348&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;116,750&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Real estate owned &amp;#150; held for investment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,328&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; background-color:#cceeff; width:76%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Other assets&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,694&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,808&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;TOTAL ASSETS&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;100,946&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;130,945&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; background-color:#cceeff; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;LIABILITIES AND SHAREHOLDERS&amp;#146; EQUITY&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Accrued expenses and other liabilities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,658&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,305&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; background-color:#cceeff; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Deferred income taxes&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;15&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Borrowings&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,681&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;22,681&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; background-color:#cceeff; width:76%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Shareholders&apos; equity&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;75,607&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;106,944&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;76%&quot; style=&quot;text-align:left; width:76%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;TOTAL LIABILITIES AND SHAREHOLDERS&amp;#146; EQUITY&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;100,946&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;130,945&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;95%&quot; style=&quot;text-align:left; width:95%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;STATEMENTS OF OPERATIONS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;YEARS ENDED MARCH 31, 2012, 2011 AND 2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(In thousands)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700; white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;INCOME:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;10%&quot; colspan=&quot;2&quot; style=&quot;text-align:left; background-color:#cceeff; width:10%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Dividend income from Bank&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;300&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Interest on investment securities and other short-term investments&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;40&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;44&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;37&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Interest on loan receivable from the Bank&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;59&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;68&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;77&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;99&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;414&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;EXPENSE:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Management service fees paid to the Bank&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;142&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;143&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;143&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Other expenses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,624&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,316&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,318&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Total expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,766&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,459&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,461&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;LOSS BEFORE INCOME TAXES AND EQUITY&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;IN UNDISTRIBUTED INCOME (LOSS) OF THE BANK&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,667 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,347 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,047 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;PROVISION &lt;b&gt;(&lt;/b&gt;BENEFIT&lt;b&gt;)&lt;/b&gt; FOR INCOME TAXES&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;81&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(458 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(458 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;LOSS OF PARENT COMPANY&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(3,748 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(889 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(589 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; background-color:#cceeff; width:64%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;EQUITY IN UNDISTRIBUTED INCOME (LOSS) OF THE BANK&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(27,909 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,204&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(4,855 &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;64%&quot; style=&quot;text-align:left; width:64%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;NET INCOME (LOSS)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(31,657&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,315&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;&amp;#160;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(5,444&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; white-space:nowrap; padding:0; margin:0&quot;&gt;&lt;font style=&quot;white-space:nowrap&quot;&gt;)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;RIVERVIEW BANCORP, INC. (PARENT COMPANY)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;STATEMENTS OF CASH FLOWS&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;YEARS ENDED MARCH 31, 2012, 2011 AND 2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(In thousands)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2012&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;CASH FLOWS FROM OPERATING ACTIVITIES:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Net income (loss)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(31,657&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,315&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(5,444&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Adjustments to reconcile net income (loss) cash provided by&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;(used in) operating activities:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Equity in undistributed (earnings) loss of the Bank&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;27,909&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(5,204&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,855&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Provision (benefit) for deferred income taxes&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(15&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(7&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Writedown of real estate owned&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,997&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Earned ESOP shares&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;62&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;64&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;73&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Stock based compensation&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;12&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;77&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;112&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;Changes in assets and liabilities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Other assets&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;114&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(43&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(413&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Accrued expenses and other liabilities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,382&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,209&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(91&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Net cash provided by (used in) operating activities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(196&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;428&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(915&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;CASH FLOWS FROM INVESTING ACTIVITIES:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;Purchase of real estate held for investment&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(8,328&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;Proceeds from sale of real estate owned&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,041&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;Additional investment in subsidiary&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(2,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(7,000&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;Net cash used in investing activities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(959&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(15,328&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;CASH FLOWS FROM FINANCING ACTIVITIES:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Proceeds from issuance of common stock, net&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,769&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:27pt; padding:0; margin:0&quot;&gt;Net cash provided by financing activities&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;18,769&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(1,155&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;3,869&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(915&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,059&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;190&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,105&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;CASH AND CASH EQUIVALENTS, END OF YEAR&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,904&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;4,059&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;190&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; background-color:#cceeff; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;NONCASH INVESTING AND FINANCING ACTIVITIES:&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; background-color:#cceeff; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;43%&quot; style=&quot;text-align:left; width:43%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Transfer of real estate owned&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;5,290&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;6%&quot; style=&quot;text-align:left; width:6%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;-&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;RIVERVIEW BANCORP, INC.&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;SELECTED QUARTERLY FINANCIAL DATA (UNAUDITED):&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;table width=&quot;100%&quot; style=&quot;text-align:left; width:100%; margin:auto&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot;&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;(Dollars in thousands, except share data)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;47%&quot; colspan=&quot;14&quot; style=&quot;text-align:left; width:47%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Three Months Ended&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:center; padding:0; margin:0&quot; align=&quot;center&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fiscal 2012:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,310&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,829&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,965&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,428&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Interest expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,295&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,442&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,530&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,598&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Net interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,015&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,387&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,435&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,830&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Provision for loan losses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;17,500&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,100&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,200&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,550&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Non-interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,561&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,530&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,832&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,904&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Non-interest expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,229&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,192&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,845&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,157&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Income before income taxes&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(16,153&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(8,375&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;222&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,027&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Provision for income taxes&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(196&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,220&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;41&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;313&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160; &amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; Net income (loss) (2)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(15,957&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(16,595&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;181&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;714&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Basic earnings (loss) per share (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.71&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.74&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.01&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.03&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; Diluted earnings (loss) per share (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.71&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;(0.74&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.01&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.03&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&lt;b&gt;&lt;font style=&quot;font-weight:700&quot;&gt;Fiscal 2011:&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:9pt; padding:0; margin:0&quot;&gt;Interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,388&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,733&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;10,789&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;11,304&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Interest expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,701&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,926&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,139&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,286&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Net interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,687&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,807&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,650&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;9,018&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Provision for loan losses&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;500&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,600&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,675&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,300&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Non-interest income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,739&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,864&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,050&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,236&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Non-interest expense&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,566&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;8,253&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,412&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;7,265&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Income before income taxes&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,360&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;818&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,613&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;2,689&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; text-indent:0.25in; padding:0; margin:0&quot;&gt;Provision for income taxes&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;506&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;239&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;496&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;924&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; Net income&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;854&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;579&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,117&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;1,765&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; Basic earnings per share (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.04&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.03&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.06&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.16&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; background-color:#cceeff; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; background-color:#cceeff; width:7%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; background-color:#cceeff; width:9%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; background-color:#cceeff; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style=&quot;text-align:left&quot;&gt;&lt;td width=&quot;31%&quot; style=&quot;text-align:left; width:31%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160; Diluted earnings per share (1)&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;7%&quot; style=&quot;text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.04&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.03&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;$&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;9%&quot; style=&quot;text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:right; padding:0; margin:0&quot; align=&quot;right&quot;&gt;0.06&lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;bottom&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; width:1%; padding:0&quot; valign=&quot;top&quot;&gt;&lt;p style=&quot;text-align:left; padding:0; margin:0&quot;&gt;&amp;#160; &lt;/p&gt;&lt;/td&gt;&lt;td width=&quot;1%&quot; style=&quot;text-align:left; 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		<link:footnote xlink:type='resource' xml:lang='en-US' xlink:label='footnote_4FD8BF002' xlink:role='http://www.xbrl.org/2003/role/footnote'>See Note 19</link:footnote>
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<TYPE>EX-101.SCH
<SEQUENCE>8
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				<link:definition>000040 - Statement - RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF OPERATIONS</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.xyz.com/20120331/role/idr_DisclosureLoansReceivable" id="idr_DisclosureLoansReceivable">
				<link:definition>000130 - Disclosure - Loans Receivable</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.xyz.com/20120331/role/idr_DisclosureFairValueMeasurement" id="idr_DisclosureFairValueMeasurement">
				<link:definition>000250 - Disclosure - Fair Value Measurement</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.xyz.com/20120331/role/idr_DisclosureIncomeTaxes" id="idr_DisclosureIncomeTaxes">
				<link:definition>000200 - Disclosure - Income Taxes</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
		</appinfo>
	</annotation>
	<import schemaLocation='http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd' namespace='http://www.xbrl.org/2003/instance'/>
	<import schemaLocation='http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd' namespace='http://www.xbrl.org/dtr/type/numeric'/>
	<import schemaLocation='http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd' namespace='http://www.xbrl.org/dtr/type/non-numeric'/>
	<import schemaLocation='http://www.xbrl.org/2005/xbrldt-2005.xsd' namespace='http://xbrl.org/2005/xbrldt'/>
	<import schemaLocation='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd' namespace='http://xbrl.sec.gov/dei/2012-01-31' />
	<import schemaLocation='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd' namespace='http://fasb.org/us-gaap/2012-01-31' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_DocumentAndEntityInformationAbstract' substitutionGroup='xbrli:item' name='DocumentAndEntityInformationAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_RestrictedAssets' substitutionGroup='xbrli:item' name='RestrictedAssets' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_RestrictedAssetsAbstract' substitutionGroup='xbrli:item' name='RestrictedAssetsAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_InvestmentSecurities' substitutionGroup='xbrli:item' name='InvestmentSecurities' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_InvestmentSecuritiesAbstract' substitutionGroup='xbrli:item' name='InvestmentSecuritiesAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_MortgageBackedSecurities' substitutionGroup='xbrli:item' name='MortgageBackedSecurities' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_MortgageBackedSecuritiesAbstract' substitutionGroup='xbrli:item' name='MortgageBackedSecuritiesAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_LoansReceivable' substitutionGroup='xbrli:item' name='LoansReceivable' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_LoansReceivableAbstract' substitutionGroup='xbrli:item' name='LoansReceivableAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_AllowanceForLoanLosses' substitutionGroup='xbrli:item' name='AllowanceForLoanLosses' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_AllowanceForLoanLossesAbstract' substitutionGroup='xbrli:item' name='AllowanceForLoanLossesAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_PremisesAndEquipment' substitutionGroup='xbrli:item' name='PremisesAndEquipment' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_PremisesAndEquipmentAbstract' substitutionGroup='xbrli:item' name='PremisesAndEquipmentAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_RealEstateOwned' substitutionGroup='xbrli:item' name='RealEstateOwned' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_RealEstateOwnedAbstract' substitutionGroup='xbrli:item' name='RealEstateOwnedAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_Goodwill1' substitutionGroup='xbrli:item' name='Goodwill1' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_GoodwillAbstract' substitutionGroup='xbrli:item' name='GoodwillAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_DepositAccounts' substitutionGroup='xbrli:item' name='DepositAccounts' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_DepositAccountsAbstract' substitutionGroup='xbrli:item' name='DepositAccountsAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_JuniorSubordinatedDebentures' substitutionGroup='xbrli:item' name='JuniorSubordinatedDebentures' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_JuniorSubordinatedDebenturesAbstract' substitutionGroup='xbrli:item' name='JuniorSubordinatedDebenturesAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_IncomeTaxes' substitutionGroup='xbrli:item' name='IncomeTaxes' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_IncomeTaxesAbstract' substitutionGroup='xbrli:item' name='IncomeTaxesAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_EmployeeBenefitPlans' substitutionGroup='xbrli:item' name='EmployeeBenefitPlans' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_EmployeeBenefitPlansAbstract' substitutionGroup='xbrli:item' name='EmployeeBenefitPlansAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_EmployeeStockOwnershipPlan' substitutionGroup='xbrli:item' name='EmployeeStockOwnershipPlan' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_EmployeeStockOwnershipPlanAbstract' substitutionGroup='xbrli:item' name='EmployeeStockOwnershipPlanAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_ShareholdersEquityAndRegulatoryCapitalRequirements' substitutionGroup='xbrli:item' name='ShareholdersEquityAndRegulatoryCapitalRequirements' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract' substitutionGroup='xbrli:item' name='ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_EarningsPerShare' substitutionGroup='xbrli:item' name='EarningsPerShare' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_EarningsPerShareAbstract1' substitutionGroup='xbrli:item' name='EarningsPerShareAbstract1' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_FairValueMeasurement' substitutionGroup='xbrli:item' name='FairValueMeasurement' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_FairValueMeasurementAbstract' substitutionGroup='xbrli:item' name='FairValueMeasurementAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_FairValueOfFinancialInstruments' substitutionGroup='xbrli:item' name='FairValueOfFinancialInstruments' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_FairValueOfFinancialInstrumentsAbstract' substitutionGroup='xbrli:item' name='FairValueOfFinancialInstrumentsAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_CommitmentsAndContingencies1' substitutionGroup='xbrli:item' name='CommitmentsAndContingencies1' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_CommitmentsAndContingenciesAbstract' substitutionGroup='xbrli:item' name='CommitmentsAndContingenciesAbstract' />
	<element nillable='true' xbrli:periodType='duration' type='nonnum:textBlockItemType' id='fil_RiverviewBancorpIncParentCompany' substitutionGroup='xbrli:item' name='RiverviewBancorpIncParentCompany' />
	<element nillable='true' xbrli:periodType='duration' type='xbrli:stringItemType' abstract='true' id='fil_RiverviewBancorpIncParentCompanyAbstract' substitutionGroup='xbrli:item' name='RiverviewBancorpIncParentCompanyAbstract' />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>9
<FILENAME>rvsb-20120331_cal.xml
<DESCRIPTION>EXHIBIT 101-CAL
<TEXT>
<XBRL>
<?xml version='1.0' encoding='iso-8859-1'?>
<!-- Produced by EDGARsuite software, Advanced Computer Innovations, Inc., Copyright (C) 2008-2012. www.edgarsuite.com -->
<link:linkbase xmlns="http://www.xbrl.org/2003/linkbase"
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"
		xmlns:fil="http://www.xyz.com/20120331"
		xmlns:link="http://www.xbrl.org/2003/linkbase"
		xmlns:xlink="http://www.w3.org/1999/xlink"
		xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
		xmlns:xbrli="http://www.xbrl.org/2003/instance">
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DocumentDocumentAndEntityInformation" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DocumentDocumentAndEntityInformation"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DocumentDocumentAndEntityInformation">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETS"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETS">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETSParenthetical" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETSParenthetical"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDBALANCESHEETSParenthetical">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFOPERATIONS"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFOPERATIONS">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFSTOCKHOLDERSEQUITY">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFEQUITYParenthetical" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFEQUITYParenthetical"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFEQUITYParenthetical">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_RIVERVIEWBANCORPINCANDSUBSIDIARYCONSOLIDATEDSTATEMENTSOFCASHFLOWS">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureSummaryOfSignificantAccountingPolicies" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureSummaryOfSignificantAccountingPolicies"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureSummaryOfSignificantAccountingPolicies">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureRestrictedAssets" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureRestrictedAssets"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureRestrictedAssets">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureInvestmentSecurities" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureInvestmentSecurities"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureInvestmentSecurities">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureMortgageBackedSecurities" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureMortgageBackedSecurities"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureMortgageBackedSecurities">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureLoansReceivable" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureLoansReceivable"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureLoansReceivable">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureAllowanceForLoanLosses" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureAllowanceForLoanLosses"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureAllowanceForLoanLosses">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosurePremisesAndEquipment" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosurePremisesAndEquipment"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosurePremisesAndEquipment">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureRealEstateOwned" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureRealEstateOwned"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureRealEstateOwned">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureGoodwill" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureGoodwill"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureGoodwill">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureDepositAccounts" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureDepositAccounts"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureDepositAccounts">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureJuniorSubordinatedDebentures" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureJuniorSubordinatedDebentures"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureJuniorSubordinatedDebentures">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureIncomeTaxes" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureIncomeTaxes"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureIncomeTaxes">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureEmployeeBenefitPlans" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureEmployeeBenefitPlans"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureEmployeeBenefitPlans">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureEmployeeStockOwnershipPlan" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureEmployeeStockOwnershipPlan"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureEmployeeStockOwnershipPlan">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureShareholdersEquityAndRegulatoryCapitalRequirements" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureShareholdersEquityAndRegulatoryCapitalRequirements"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureShareholdersEquityAndRegulatoryCapitalRequirements">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureEarningsPerShare" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureEarningsPerShare"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureEarningsPerShare">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureFairValueMeasurement" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureFairValueMeasurement"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureFairValueMeasurement">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureFairValueOfFinancialInstruments" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureFairValueOfFinancialInstruments"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureFairValueOfFinancialInstruments">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureCommitmentsAndContingencies" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureCommitmentsAndContingencies"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureCommitmentsAndContingencies">
	</link:calculationLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureRiverviewBancorpIncParentCompany" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureRiverviewBancorpIncParentCompany"/>
	<link:calculationLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureRiverviewBancorpIncParentCompany">
	</link:calculationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>rvsb-20120331_pre.xml
<DESCRIPTION>EXHIBIT 101-PRE
<TEXT>
<XBRL>
<?xml version='1.0' encoding='iso-8859-1'?>
<!-- Produced by EDGARsuite software, Advanced Computer Innovations, Inc., Copyright (C) 2008-2012. www.edgarsuite.com -->
<link:linkbase xmlns="http://www.xbrl.org/2003/linkbase"
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"
		xmlns:fil="http://www.xyz.com/20120331"
		xmlns:link="http://www.xbrl.org/2003/linkbase"
		xmlns:xlink="http://www.w3.org/1999/xlink"
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<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>11
<FILENAME>rvsb-20120331_def.xml
<DESCRIPTION>EXHIBIT 101-DEF
<TEXT>
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	<link:definitionLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureEarningsPerShare">
	</link:definitionLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureFairValueMeasurement" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureFairValueMeasurement"/>
	<link:definitionLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureFairValueMeasurement">
	</link:definitionLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureFairValueOfFinancialInstruments" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureFairValueOfFinancialInstruments"/>
	<link:definitionLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureFairValueOfFinancialInstruments">
	</link:definitionLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureCommitmentsAndContingencies" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureCommitmentsAndContingencies"/>
	<link:definitionLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureCommitmentsAndContingencies">
	</link:definitionLink>
	<link:roleRef roleURI="http://www.xyz.com/20120331/role/idr_DisclosureRiverviewBancorpIncParentCompany" xlink:type="simple" xlink:href="rvsb-20120331.xsd#idr_DisclosureRiverviewBancorpIncParentCompany"/>
	<link:definitionLink xlink:type="extended" xlink:role="http://www.xyz.com/20120331/role/idr_DisclosureRiverviewBancorpIncParentCompany">
	</link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>12
<FILENAME>rvsb-20120331_lab.xml
<DESCRIPTION>EXHIBIT 101-LAB
<TEXT>
<XBRL>
<?xml version='1.0' encoding='iso-8859-1'?>
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<link:linkbase xmlns="http://www.xbrl.org/2003/linkbase"
		xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
		xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"
		xmlns:fil="http://www.xyz.com/20120331"
		xmlns:link="http://www.xbrl.org/2003/linkbase"
		xmlns:xlink="http://www.w3.org/1999/xlink"
		xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
		xmlns:xbrli="http://www.xbrl.org/2003/instance">
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"/>
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	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
	<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_EmployeeStockOwnershipPlanAbstract' xlink:label='fil_EmployeeStockOwnershipPlanAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_EmployeeStockOwnershipPlanAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Employee Stock Ownership Plan:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_EmployeeStockOwnershipPlanAbstract' xlink:to='lab_fil_EmployeeStockOwnershipPlanAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_IncomeTaxes' xlink:label='fil_IncomeTaxes'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_IncomeTaxes' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Income Taxes</link:label>
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		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_RealEstateOwned' xlink:label='fil_RealEstateOwned'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_RealEstateOwned' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Real Estate Owned</link:label>
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		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_AllowanceForLoanLosses' xlink:label='fil_AllowanceForLoanLosses'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_AllowanceForLoanLosses' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Allowance For Loan Losses</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_AllowanceForLoanLosses' xlink:to='lab_fil_AllowanceForLoanLosses'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RepaymentsOfDebt' xlink:label='us-gaap_RepaymentsOfDebt'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_RepaymentsOfDebt' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Repayment of borrowings</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_RepaymentsOfDebt' xlink:to='lab_us-gaap_RepaymentsOfDebt'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherNoncashExpense' xlink:label='us-gaap_OtherNoncashExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherNoncashExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Noncash expense related to ESOP</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherNoncashExpense' xlink:to='lab_us-gaap_OtherNoncashExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract' xlink:label='us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Adjustments to reconcile net income to cash provided by operating activities:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract' xlink:to='lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest' xlink:label='us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Noncontrolling interest {1}</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest' xlink:role='http://www.xbrl.org/2003/role/verboseLabel' xml:lang='en-US'>Noncontrolling interest</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest' xlink:to='lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract' xlink:label='us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Statements of Comprehensive Income</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract' xlink:to='lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract' xlink:label='us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Weighted average number of shares outstanding:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract' xlink:to='lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestExpense' xlink:label='us-gaap_NoninterestExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NoninterestExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Total non-interest expense</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NoninterestExpense' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Total non-interest expense</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NoninterestExpense' xlink:to='lab_us-gaap_NoninterestExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestExpenseAbstract' xlink:label='us-gaap_NoninterestExpenseAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NoninterestExpenseAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>NON-INTEREST EXPENSE:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NoninterestExpenseAbstract' xlink:to='lab_us-gaap_NoninterestExpenseAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherIntangibleAssetsNet' xlink:label='us-gaap_OtherIntangibleAssetsNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherIntangibleAssetsNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Core deposit intangible, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherIntangibleAssetsNet' xlink:to='lab_us-gaap_OtherIntangibleAssetsNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ServicingAssetAtAmortizedValue' xlink:label='us-gaap_ServicingAssetAtAmortizedValue'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ServicingAssetAtAmortizedValue' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Mortgage servicing rights, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ServicingAssetAtAmortizedValue' xlink:to='lab_us-gaap_ServicingAssetAtAmortizedValue'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AssetsAbstract' xlink:label='us-gaap_AssetsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AssetsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>ASSETS</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AssetsAbstract' xlink:to='lab_us-gaap_AssetsAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_FairValueMeasurement' xlink:label='fil_FairValueMeasurement'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_FairValueMeasurement' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair Value Measurement</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_FairValueMeasurement' xlink:to='lab_fil_FairValueMeasurement'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_EmployeeStockOwnershipPlan' xlink:label='fil_EmployeeStockOwnershipPlan'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_EmployeeStockOwnershipPlan' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Employee Stock Ownership Plan</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_EmployeeStockOwnershipPlan' xlink:to='lab_fil_EmployeeStockOwnershipPlan'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_PremisesAndEquipment' xlink:label='fil_PremisesAndEquipment'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_PremisesAndEquipment' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Premises And Equipment</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_PremisesAndEquipment' xlink:to='lab_fil_PremisesAndEquipment'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther' xlink:label='us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Income tax effect related to fair value adjustment</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther' xlink:to='lab_us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TransferToOtherRealEstate' xlink:label='us-gaap_TransferToOtherRealEstate'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_TransferToOtherRealEstate' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Transfer of loans to real estate owned</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_TransferToOtherRealEstate' xlink:to='lab_us-gaap_TransferToOtherRealEstate'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RepaymentsOfDebtAndCapitalLeaseObligations' xlink:label='us-gaap_RepaymentsOfDebtAndCapitalLeaseObligations'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_RepaymentsOfDebtAndCapitalLeaseObligations' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Principal payments under capital lease obligation</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_RepaymentsOfDebtAndCapitalLeaseObligations' xlink:to='lab_us-gaap_RepaymentsOfDebtAndCapitalLeaseObligations'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities' xlink:label='us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Principal repayments on investment securities held to maturity</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities' xlink:to='lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract' xlink:label='us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>CASH FLOWS FROM INVESTING ACTIVITIES:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract' xlink:to='lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForWritedownOfSecuritiesIncludedInNetIncomeNetOfTax' xlink:label='us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForWritedownOfSecuritiesIncludedInNetIncomeNetOfTax'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForWritedownOfSecuritiesIncludedInNetIncomeNetOfTax' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Reclassification adjustment for loss included in net loss, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForWritedownOfSecuritiesIncludedInNetIncomeNetOfTax' xlink:to='lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentForWritedownOfSecuritiesIncludedInNetIncomeNetOfTax'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract' xlink:label='us-gaap_ComprehensiveIncomeNetOfTaxAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ComprehensiveIncomeNetOfTaxAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>COMPREHENSIVE INCOME (LOSS):</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ComprehensiveIncomeNetOfTaxAbstract' xlink:to='lab_us-gaap_ComprehensiveIncomeNetOfTaxAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare' xlink:label='us-gaap_PreferredStockParOrStatedValuePerShare'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PreferredStockParOrStatedValuePerShare' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Serial preferred stock par value per share</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PreferredStockParOrStatedValuePerShare' xlink:to='lab_us-gaap_PreferredStockParOrStatedValuePerShare'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesFairValue' xlink:label='us-gaap_HeldToMaturitySecuritiesFairValue'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_HeldToMaturitySecuritiesFairValue' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair Value of Investment securities held to maturity</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_HeldToMaturitySecuritiesFairValue' xlink:to='lab_us-gaap_HeldToMaturitySecuritiesFairValue'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockValueOutstanding' xlink:label='us-gaap_CommonStockValueOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommonStockValueOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Common stock, $.01 par value</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommonStockValueOutstanding' xlink:to='lab_us-gaap_CommonStockValueOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityAbstract' xlink:label='us-gaap_StockholdersEquityAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockholdersEquityAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Shareholders&apos; equity</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StockholdersEquityAbstract' xlink:to='lab_us-gaap_StockholdersEquityAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Assets' xlink:label='us-gaap_Assets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_Assets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>TOTAL ASSETS</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_Assets' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>TOTAL ASSETS</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_Assets' xlink:to='lab_us-gaap_Assets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill' xlink:label='us-gaap_Goodwill'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_Goodwill' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Goodwill</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_Goodwill' xlink:to='lab_us-gaap_Goodwill'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssets' xlink:label='us-gaap_OtherRealEstateAndForeclosedAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherRealEstateAndForeclosedAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Real estate owned</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherRealEstateAndForeclosedAssets' xlink:to='lab_us-gaap_OtherRealEstateAndForeclosedAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_AmendmentFlag' xlink:label='dei_AmendmentFlag'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_AmendmentFlag' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Amendment Flag</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_AmendmentFlag' xlink:to='lab_dei_AmendmentFlag'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EquityComponentDomain' xlink:label='us-gaap_EquityComponentDomain'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_EquityComponentDomain' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Equity Component [Domain]</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_EquityComponentDomain' xlink:to='lab_us-gaap_EquityComponentDomain'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdditionalCashFlowElementsAbstract' xlink:label='us-gaap_AdditionalCashFlowElementsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AdditionalCashFlowElementsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Cash paid during the period for:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AdditionalCashFlowElementsAbstract' xlink:to='lab_us-gaap_AdditionalCashFlowElementsAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract' xlink:label='us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>CASH FLOWS FROM FINANCING ACTIVITIES:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract' xlink:to='lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfForeclosedAssets' xlink:label='us-gaap_ProceedsFromSaleOfForeclosedAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromSaleOfForeclosedAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Proceeds from sale of real estate owned and premises and equipment</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromSaleOfForeclosedAssets' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Proceeds from sale of real estate owned and premises and equipment</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromSaleOfForeclosedAssets' xlink:to='lab_us-gaap_ProceedsFromSaleOfForeclosedAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToDevelopRealEstateAssets' xlink:label='us-gaap_PaymentsToDevelopRealEstateAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PaymentsToDevelopRealEstateAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Capital expenditures on real estate owned</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PaymentsToDevelopRealEstateAssets' xlink:to='lab_us-gaap_PaymentsToDevelopRealEstateAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases' xlink:label='us-gaap_PaymentsForProceedsFromLoansAndLeases'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PaymentsForProceedsFromLoansAndLeases' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loan repayments (originations), net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PaymentsForProceedsFromLoansAndLeases' xlink:to='lab_us-gaap_PaymentsForProceedsFromLoansAndLeases'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease' xlink:label='us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Writedown of real estate owned</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease' xlink:to='lab_us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale' xlink:label='us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Origination of loans held for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale' xlink:to='lab_us-gaap_PaymentsForOriginationAndPurchasesOfLoansHeldForSale'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract' xlink:label='us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>CASH FLOWS FROM OPERATING ACTIVITIES:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract' xlink:to='lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing' xlink:label='us-gaap_InformationTechnologyAndDataProcessing'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InformationTechnologyAndDataProcessing' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Data processing</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InformationTechnologyAndDataProcessing' xlink:to='lab_us-gaap_InformationTechnologyAndDataProcessing'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LaborAndRelatedExpense' xlink:label='us-gaap_LaborAndRelatedExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LaborAndRelatedExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Salaries and employee benefits</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LaborAndRelatedExpense' xlink:to='lab_us-gaap_LaborAndRelatedExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestExpenseDeposits' xlink:label='us-gaap_InterestExpenseDeposits'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestExpenseDeposits' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest on deposits</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestExpenseDeposits' xlink:to='lab_us-gaap_InterestExpenseDeposits'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommitmentsAndContingencies' xlink:label='us-gaap_CommitmentsAndContingencies'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommitmentsAndContingencies' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>COMMITMENTS AND CONTINGENCIES</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommitmentsAndContingencies' xlink:to='lab_us-gaap_CommitmentsAndContingencies'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssets' xlink:label='us-gaap_PrepaidExpenseAndOtherAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PrepaidExpenseAndOtherAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Prepaid expenses and other assets</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PrepaidExpenseAndOtherAssets' xlink:to='lab_us-gaap_PrepaidExpenseAndOtherAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_DocumentFiscalPeriodFocus' xlink:label='dei_DocumentFiscalPeriodFocus'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentFiscalPeriodFocus' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Document Fiscal Period Focus</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentFiscalPeriodFocus' xlink:to='lab_dei_DocumentFiscalPeriodFocus'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities' xlink:label='us-gaap_NetCashProvidedByUsedInFinancingActivities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInFinancingActivities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net cash provided by (used in) financing activities</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInFinancingActivities' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Net cash provided by (used in) financing activities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetCashProvidedByUsedInFinancingActivities' xlink:to='lab_us-gaap_NetCashProvidedByUsedInFinancingActivities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireRestrictedCertificatesOfDeposit' xlink:label='us-gaap_PaymentsToAcquireRestrictedCertificatesOfDeposit'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PaymentsToAcquireRestrictedCertificatesOfDeposit' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Purchase of certificates of deposit held for investment, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PaymentsToAcquireRestrictedCertificatesOfDeposit' xlink:to='lab_us-gaap_PaymentsToAcquireRestrictedCertificatesOfDeposit'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet' xlink:label='us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Accrued interest receivable {1}</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet' xlink:role='http://www.xbrl.org/2003/role/verboseLabel' xml:lang='en-US'>Accrued interest receivable</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet' xlink:to='lab_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets' xlink:label='us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Prepaid expenses and other assets {1}</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets' xlink:role='http://www.xbrl.org/2003/role/verboseLabel' xml:lang='en-US'>Prepaid expenses and other assets</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets' xlink:to='lab_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale' xlink:label='us-gaap_ProceedsFromSaleOfLoansHeldForSale'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Proceeds from sales of loans held for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromSaleOfLoansHeldForSale' xlink:to='lab_us-gaap_ProceedsFromSaleOfLoansHeldForSale'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax' xlink:label='us-gaap_ComprehensiveIncomeNetOfTax'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ComprehensiveIncomeNetOfTax' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Total comprehensive income (loss)</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ComprehensiveIncomeNetOfTax' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Total comprehensive income (loss)</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ComprehensiveIncomeNetOfTax' xlink:to='lab_us-gaap_ComprehensiveIncomeNetOfTax'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareAbstract' xlink:label='us-gaap_EarningsPerShareAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_EarningsPerShareAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Earnings (loss) per common share:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_EarningsPerShareAbstract' xlink:to='lab_us-gaap_EarningsPerShareAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoninterestIncomeAbstract' xlink:label='us-gaap_NoninterestIncomeAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NoninterestIncomeAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>NON-INTEREST INCOME:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NoninterestIncomeAbstract' xlink:to='lab_us-gaap_NoninterestIncomeAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestIncomeExpenseNet' xlink:label='us-gaap_InterestIncomeExpenseNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestIncomeExpenseNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net interest income</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestIncomeExpenseNet' xlink:to='lab_us-gaap_InterestIncomeExpenseNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit' xlink:label='us-gaap_RetainedEarningsAccumulatedDeficit'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_RetainedEarningsAccumulatedDeficit' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Retained earnings</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_RetainedEarningsAccumulatedDeficit' xlink:to='lab_us-gaap_RetainedEarningsAccumulatedDeficit'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxesAndOtherAssetsNoncurrent' xlink:label='us-gaap_DeferredIncomeTaxesAndOtherAssetsNoncurrent'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_DeferredIncomeTaxesAndOtherAssetsNoncurrent' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Deferred income taxes, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_DeferredIncomeTaxesAndOtherAssetsNoncurrent' xlink:to='lab_us-gaap_DeferredIncomeTaxesAndOtherAssetsNoncurrent'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract' xlink:label='fil_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Shareholders&apos; Equity And Regulatory Capital Requirements:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract' xlink:to='lab_fil_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_EmployeeBenefitPlans' xlink:label='fil_EmployeeBenefitPlans'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_EmployeeBenefitPlans' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Employee Benefit Plans</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_EmployeeBenefitPlans' xlink:to='lab_fil_EmployeeBenefitPlans'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_RealEstateOwnedAbstract' xlink:label='fil_RealEstateOwnedAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_RealEstateOwnedAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Real Estate Owned:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_RealEstateOwnedAbstract' xlink:to='lab_fil_RealEstateOwnedAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInCustomerDeposits' xlink:label='us-gaap_IncreaseDecreaseInCustomerDeposits'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInCustomerDeposits' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net change in deposit accounts</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncreaseDecreaseInCustomerDeposits' xlink:to='lab_us-gaap_IncreaseDecreaseInCustomerDeposits'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues' xlink:label='us-gaap_StockIssuedDuringPeriodSharesNewIssues'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Issuance of common stock, net - shares</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StockIssuedDuringPeriodSharesNewIssues' xlink:to='lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetIncomeLoss' xlink:label='us-gaap_NetIncomeLoss'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetIncomeLoss' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net Income (Loss)</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetIncomeLoss' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Net income (loss)</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetIncomeLoss' xlink:role='http://www.xbrl.org/2003/role/verboseLabel' xml:lang='en-US'>Net income (loss)</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetIncomeLoss' xlink:to='lab_us-gaap_NetIncomeLoss'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ImpairmentOfInvestments' xlink:label='us-gaap_ImpairmentOfInvestments'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ImpairmentOfInvestments' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Impairment on investment security</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ImpairmentOfInvestments' xlink:to='lab_us-gaap_ImpairmentOfInvestments'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating' xlink:label='us-gaap_InterestAndDividendIncomeOperating'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestAndDividendIncomeOperating' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Total interest and dividend income</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestAndDividendIncomeOperating' xlink:to='lab_us-gaap_InterestAndDividendIncomeOperating'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity' xlink:label='us-gaap_LiabilitiesAndStockholdersEquity'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LiabilitiesAndStockholdersEquity' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>TOTAL LIABILITIES AND EQUITY</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LiabilitiesAndStockholdersEquity' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>TOTAL LIABILITIES AND EQUITY</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LiabilitiesAndStockholdersEquity' xlink:to='lab_us-gaap_LiabilitiesAndStockholdersEquity'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdditionalPaidInCapital' xlink:label='us-gaap_AdditionalPaidInCapital'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AdditionalPaidInCapital' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Additional paid-in capital</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AdditionalPaidInCapital' xlink:to='lab_us-gaap_AdditionalPaidInCapital'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementLineItems' xlink:label='us-gaap_StatementLineItems'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementLineItems' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Statement {1}</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementLineItems' xlink:role='http://www.xbrl.org/2003/role/terseLabel' xml:lang='en-US'>Statement</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StatementLineItems' xlink:to='lab_us-gaap_StatementLineItems'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityCommonStockSharesOutstanding' xlink:label='dei_EntityCommonStockSharesOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityCommonStockSharesOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Common Stock, Shares Outstanding</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityCommonStockSharesOutstanding' xlink:to='lab_dei_EntityCommonStockSharesOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_RiverviewBancorpIncParentCompanyAbstract' xlink:label='fil_RiverviewBancorpIncParentCompanyAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_RiverviewBancorpIncParentCompanyAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Riverview Bancorp, Inc. (Parent Company):</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_RiverviewBancorpIncParentCompanyAbstract' xlink:to='lab_fil_RiverviewBancorpIncParentCompanyAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_GoodwillAbstract' xlink:label='fil_GoodwillAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_GoodwillAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Goodwill:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_GoodwillAbstract' xlink:to='lab_fil_GoodwillAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_LoansReceivableAbstract' xlink:label='fil_LoansReceivableAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_LoansReceivableAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loans Receivable:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_LoansReceivableAbstract' xlink:to='lab_fil_LoansReceivableAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_InvestmentSecuritiesAbstract' xlink:label='fil_InvestmentSecuritiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_InvestmentSecuritiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Investment Securities:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_InvestmentSecuritiesAbstract' xlink:to='lab_fil_InvestmentSecuritiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities' xlink:label='us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Principal repayments on investment securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities' xlink:to='lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities' xlink:label='us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Proceeds from call, maturity, or sale of investment securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities' xlink:to='lab_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit' xlink:label='us-gaap_DeferredIncomeTaxExpenseBenefit'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_DeferredIncomeTaxExpenseBenefit' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Provision (benefit) for deferred income taxes</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_DeferredIncomeTaxExpenseBenefit' xlink:to='lab_us-gaap_DeferredIncomeTaxExpenseBenefit'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AmortizationOfESOPAward' xlink:label='us-gaap_AmortizationOfESOPAward'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AmortizationOfESOPAward' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Earned ESOP shares</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AmortizationOfESOPAward' xlink:to='lab_us-gaap_AmortizationOfESOPAward'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityTotalMember' xlink:label='us-gaap_StockholdersEquityTotalMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockholdersEquityTotalMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Stockholders&apos; Equity, Total</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StockholdersEquityTotalMember' xlink:to='lab_us-gaap_StockholdersEquityTotalMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DeferredCompensationShareBasedPaymentsMember' xlink:label='us-gaap_DeferredCompensationShareBasedPaymentsMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_DeferredCompensationShareBasedPaymentsMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Unearned Shares Issued to Employee Stock Ownership Trust</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_DeferredCompensationShareBasedPaymentsMember' xlink:to='lab_us-gaap_DeferredCompensationShareBasedPaymentsMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ExciseAndSalesTaxes' xlink:label='us-gaap_ExciseAndSalesTaxes'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ExciseAndSalesTaxes' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>State and local taxes</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ExciseAndSalesTaxes' xlink:to='lab_us-gaap_ExciseAndSalesTaxes'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases' xlink:label='us-gaap_InterestAndFeeIncomeLoansAndLeases'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestAndFeeIncomeLoansAndLeases' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest and fees on loans receivable</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestAndFeeIncomeLoansAndLeases' xlink:to='lab_us-gaap_InterestAndFeeIncomeLoansAndLeases'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestBearingDepositsAtCarryingValue' xlink:label='us-gaap_InterestBearingDepositsAtCarryingValue'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestBearingDepositsAtCarryingValue' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest-Earning accounts included in Cash</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestBearingDepositsAtCarryingValue' xlink:to='lab_us-gaap_InterestBearingDepositsAtCarryingValue'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance' xlink:label='us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Advance payments by borrowers for taxes and insurance</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance' xlink:to='lab_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecurities' xlink:label='us-gaap_HeldToMaturitySecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_HeldToMaturitySecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Mortgage-backed securities held to maturity, at amortized cost</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_HeldToMaturitySecurities' xlink:to='lab_us-gaap_HeldToMaturitySecurities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityFilerCategory' xlink:label='dei_EntityFilerCategory'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityFilerCategory' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Filer Category</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityFilerCategory' xlink:to='lab_dei_EntityFilerCategory'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_DocumentAndEntityInformationAbstract' xlink:label='fil_DocumentAndEntityInformationAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_DocumentAndEntityInformationAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Document and Entity Information:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_DocumentAndEntityInformationAbstract' xlink:to='lab_fil_DocumentAndEntityInformationAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_CommitmentsAndContingencies1' xlink:label='fil_CommitmentsAndContingencies1'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_CommitmentsAndContingencies1' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Commitments And Contingencies</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_CommitmentsAndContingencies1' xlink:to='lab_fil_CommitmentsAndContingencies1'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_FairValueMeasurementAbstract' xlink:label='fil_FairValueMeasurementAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_FairValueMeasurementAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair Value Measurement:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_FairValueMeasurementAbstract' xlink:to='lab_fil_FairValueMeasurementAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_EarningsPerShareAbstract1' xlink:label='fil_EarningsPerShareAbstract1'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_EarningsPerShareAbstract1' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Earnings Per Share:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_EarningsPerShareAbstract1' xlink:to='lab_fil_EarningsPerShareAbstract1'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_PremisesAndEquipmentAbstract' xlink:label='fil_PremisesAndEquipmentAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_PremisesAndEquipmentAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Premises And Equipment:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_PremisesAndEquipmentAbstract' xlink:to='lab_fil_PremisesAndEquipmentAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease' xlink:label='us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Capitalized software acquired under a service agreement</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease' xlink:to='lab_us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease' xlink:label='us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair value adjustment to securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease' xlink:to='lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestPaid' xlink:label='us-gaap_InterestPaid'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestPaid' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestPaid' xlink:to='lab_us-gaap_InterestPaid'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember' xlink:label='us-gaap_AdditionalPaidInCapitalMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AdditionalPaidInCapitalMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Additional Paid-In Capital</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AdditionalPaidInCapitalMember' xlink:to='lab_us-gaap_AdditionalPaidInCapitalMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementEquityComponentsAxis' xlink:label='us-gaap_StatementEquityComponentsAxis'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementEquityComponentsAxis' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Equity Components</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StatementEquityComponentsAxis' xlink:to='lab_us-gaap_StatementEquityComponentsAxis'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked' xlink:label='us-gaap_InterestIncomeSecuritiesMortgageBacked'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestIncomeSecuritiesMortgageBacked' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest on mortgage-backed securities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestIncomeSecuritiesMortgageBacked' xlink:to='lab_us-gaap_InterestIncomeSecuritiesMortgageBacked'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt' xlink:label='us-gaap_InterestIncomeSecuritiesTaxExempt'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestIncomeSecuritiesTaxExempt' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest on investment securities-non taxable</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestIncomeSecuritiesTaxExempt' xlink:to='lab_us-gaap_InterestIncomeSecuritiesTaxExempt'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxable' xlink:label='us-gaap_InterestIncomeSecuritiesTaxable'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestIncomeSecuritiesTaxable' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Interest on investment securities-taxable</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestIncomeSecuritiesTaxable' xlink:to='lab_us-gaap_InterestIncomeSecuritiesTaxable'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesAuthorized' xlink:label='us-gaap_PreferredStockSharesAuthorized'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PreferredStockSharesAuthorized' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Serial preferred stock shares authorized</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PreferredStockSharesAuthorized' xlink:to='lab_us-gaap_PreferredStockSharesAuthorized'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount' xlink:label='us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Noncontrolling interest</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount' xlink:to='lab_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities' xlink:label='us-gaap_AccountsPayableAndOtherAccruedLiabilities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Accrued expenses and other liabilities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AccountsPayableAndOtherAccruedLiabilities' xlink:to='lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FederalHomeLoanBankStock' xlink:label='us-gaap_FederalHomeLoanBankStock'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_FederalHomeLoanBankStock' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Federal Home Loan Bank stock, at cost</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_FederalHomeLoanBankStock' xlink:to='lab_us-gaap_FederalHomeLoanBankStock'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure' xlink:label='us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Mortgage-backed securities available for sale, at fair value</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure' xlink:to='lab_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_DocumentPeriodEndDate' xlink:label='dei_DocumentPeriodEndDate'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentPeriodEndDate' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Document Period End Date</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentPeriodEndDate' xlink:to='lab_dei_DocumentPeriodEndDate'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_AllowanceForLoanLossesAbstract' xlink:label='fil_AllowanceForLoanLossesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_AllowanceForLoanLossesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Allowance For Loan Losses:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_AllowanceForLoanLossesAbstract' xlink:to='lab_fil_AllowanceForLoanLossesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment' xlink:label='us-gaap_PaymentsToAcquirePropertyPlantAndEquipment'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Purchase of premises and equipment and capitalized software</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PaymentsToAcquirePropertyPlantAndEquipment' xlink:to='lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments' xlink:label='us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loss on impairment of security</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments' xlink:to='lab_us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_RetainedEarningsMember' xlink:label='us-gaap_RetainedEarningsMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_RetainedEarningsMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Retained Earnings</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_RetainedEarningsMember' xlink:to='lab_us-gaap_RetainedEarningsMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareDiluted' xlink:label='us-gaap_EarningsPerShareDiluted'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_EarningsPerShareDiluted' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Diluted earnings</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_EarningsPerShareDiluted' xlink:to='lab_us-gaap_EarningsPerShareDiluted'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MarketingAndAdvertisingExpense' xlink:label='us-gaap_MarketingAndAdvertisingExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_MarketingAndAdvertisingExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Advertising and marketing expense</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_MarketingAndAdvertisingExpense' xlink:to='lab_us-gaap_MarketingAndAdvertisingExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherIncome' xlink:label='us-gaap_OtherIncome'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherIncome' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Other</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherIncome' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Other</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherIncome' xlink:to='lab_us-gaap_OtherIncome'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract' xlink:label='us-gaap_LiabilitiesAndStockholdersEquityAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>LIABILITIES AND EQUITY</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LiabilitiesAndStockholdersEquityAbstract' xlink:to='lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CertificatesOfDepositAtCarryingValue' xlink:label='us-gaap_CertificatesOfDepositAtCarryingValue'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CertificatesOfDepositAtCarryingValue' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Certificate of deposits held for investment</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CertificatesOfDepositAtCarryingValue' xlink:to='lab_us-gaap_CertificatesOfDepositAtCarryingValue'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract' xlink:label='us-gaap_StatementOfFinancialPositionAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementOfFinancialPositionAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Statement of Financial Position</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StatementOfFinancialPositionAbstract' xlink:to='lab_us-gaap_StatementOfFinancialPositionAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityVoluntaryFilers' xlink:label='dei_EntityVoluntaryFilers'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityVoluntaryFilers' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Voluntary Filers</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityVoluntaryFilers' xlink:to='lab_dei_EntityVoluntaryFilers'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_EarningsPerShare' xlink:label='fil_EarningsPerShare'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_EarningsPerShare' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Earnings Per Share</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_EarningsPerShare' xlink:to='lab_fil_EarningsPerShare'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_InvestmentSecurities' xlink:label='fil_InvestmentSecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_InvestmentSecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Investment Securities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_InvestmentSecurities' xlink:to='lab_fil_InvestmentSecurities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract' xlink:label='us-gaap_SupplementalCashFlowInformationAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_SupplementalCashFlowInformationAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>SUPPLEMENTAL DISCLOSURES:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_SupplementalCashFlowInformationAbstract' xlink:to='lab_us-gaap_SupplementalCashFlowInformationAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities' xlink:label='us-gaap_NetCashProvidedByUsedInInvestingActivities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInInvestingActivities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net cash provided by (used in) investing activities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetCashProvidedByUsedInInvestingActivities' xlink:to='lab_us-gaap_NetCashProvidedByUsedInInvestingActivities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding' xlink:label='us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Diluted</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding' xlink:to='lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic' xlink:label='us-gaap_WeightedAverageNumberOfSharesOutstandingBasic'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Basic</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_WeightedAverageNumberOfSharesOutstandingBasic' xlink:to='lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestExpense' xlink:label='us-gaap_InterestExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Total interest expense</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestExpense' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Total interest expense</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestExpense' xlink:to='lab_us-gaap_InterestExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesOutstanding' xlink:label='us-gaap_CommonStockSharesOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommonStockSharesOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Common stock shares outstanding</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommonStockSharesOutstanding' xlink:to='lab_us-gaap_CommonStockSharesOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockSharesAuthorized' xlink:label='us-gaap_CommonStockSharesAuthorized'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommonStockSharesAuthorized' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Common stock shares authorized</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommonStockSharesAuthorized' xlink:to='lab_us-gaap_CommonStockSharesAuthorized'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesOutstanding' xlink:label='us-gaap_PreferredStockSharesOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PreferredStockSharesOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Serial preferred stock shares outstanding</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PreferredStockSharesOutstanding' xlink:to='lab_us-gaap_PreferredStockSharesOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_DocumentType' xlink:label='dei_DocumentType'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_DocumentType' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Document Type</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_DocumentType' xlink:to='lab_dei_DocumentType'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_FairValueOfFinancialInstrumentsAbstract' xlink:label='fil_FairValueOfFinancialInstrumentsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_FairValueOfFinancialInstrumentsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair Value Of Financial Instruments:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_FairValueOfFinancialInstrumentsAbstract' xlink:to='lab_fil_FairValueOfFinancialInstrumentsAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_IncomeTaxesAbstract' xlink:label='fil_IncomeTaxesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_IncomeTaxesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Income Taxes:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_IncomeTaxesAbstract' xlink:to='lab_fil_IncomeTaxesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_DepositAccounts' xlink:label='fil_DepositAccounts'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_DepositAccounts' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Deposit Accounts</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_DepositAccounts' xlink:to='lab_fil_DepositAccounts'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_Goodwill1' xlink:label='fil_Goodwill1'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_Goodwill1' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Goodwill {1}</link:label>
		<link:label xlink:type='resource' xlink:label='lab_fil_Goodwill1' xlink:role='http://www.xbrl.org/2003/role/terseLabel' xml:lang='en-US'>Goodwill</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_Goodwill1' xlink:to='lab_fil_Goodwill1'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TransferOtherRealEstate' xlink:label='us-gaap_TransferOtherRealEstate'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_TransferOtherRealEstate' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Transfer of real estate owned to loans</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_TransferOtherRealEstate' xlink:to='lab_us-gaap_TransferOtherRealEstate'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract' xlink:label='us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>NONCASH INVESTING AND FINANCING ACTIVITIES:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract' xlink:to='lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract' xlink:label='us-gaap_StatementOfCashFlowsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementOfCashFlowsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Statements of Cash Flows</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StatementOfCashFlowsAbstract' xlink:to='lab_us-gaap_StatementOfCashFlowsAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax' xlink:label='us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Unrealized holding gain (loss) on securities available for sale, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax' xlink:to='lab_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember' xlink:label='us-gaap_AccumulatedOtherComprehensiveIncomeMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Accumulated Other Comprehensive Income (Loss)</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AccumulatedOtherComprehensiveIncomeMember' xlink:to='lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_EarningsPerShareBasic' xlink:label='us-gaap_EarningsPerShareBasic'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_EarningsPerShareBasic' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Basic earnings</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_EarningsPerShareBasic' xlink:to='lab_us-gaap_EarningsPerShareBasic'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest' xlink:label='us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Total equity</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Total equity</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest' xlink:to='lab_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax' xlink:label='us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Accumulated other comprehensive loss</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Accumulated other comprehensive loss</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax' xlink:to='lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashEquivalentsAtCarryingValue' xlink:label='us-gaap_CashEquivalentsAtCarryingValue'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CashEquivalentsAtCarryingValue' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Cash and cash equivalents (including interest-earning accounts of $33,437 and $37,349)</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CashEquivalentsAtCarryingValue' xlink:role='http://www.xbrl.org/2003/role/periodStartLabel' xml:lang='en-US'>CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CashEquivalentsAtCarryingValue' xlink:role='http://www.xbrl.org/2003/role/periodEndLabel' xml:lang='en-US'>CASH AND CASH EQUIVALENTS, END OF PERIOD</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CashEquivalentsAtCarryingValue' xlink:to='lab_us-gaap_CashEquivalentsAtCarryingValue'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityCentralIndexKey' xlink:label='dei_EntityCentralIndexKey'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityCentralIndexKey' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Central Index Key</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityCentralIndexKey' xlink:to='lab_dei_EntityCentralIndexKey'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_ShareholdersEquityAndRegulatoryCapitalRequirements' xlink:label='fil_ShareholdersEquityAndRegulatoryCapitalRequirements'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_ShareholdersEquityAndRegulatoryCapitalRequirements' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Shareholders&apos; Equity And Regulatory Capital Requirements</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_ShareholdersEquityAndRegulatoryCapitalRequirements' xlink:to='lab_fil_ShareholdersEquityAndRegulatoryCapitalRequirements'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfOtherDebt' xlink:label='us-gaap_ProceedsFromRepaymentsOfOtherDebt'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Principal repayments on mortgage-backed securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromRepaymentsOfOtherDebt' xlink:to='lab_us-gaap_ProceedsFromRepaymentsOfOtherDebt'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities' xlink:label='us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Accrued expenses &amp; other liabilities</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Accrued expenses &amp; other liabilities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities' xlink:to='lab_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest' xlink:label='us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Income (loss) before income taxes</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest' xlink:to='lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommunicationsAndInformationTechnology' xlink:label='us-gaap_CommunicationsAndInformationTechnology'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommunicationsAndInformationTechnology' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Telecommunications</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommunicationsAndInformationTechnology' xlink:to='lab_us-gaap_CommunicationsAndInformationTechnology'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OccupancyNet' xlink:label='us-gaap_OccupancyNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OccupancyNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Occupancy and depreciation</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OccupancyNet' xlink:to='lab_us-gaap_OccupancyNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AssetManagementFees' xlink:label='us-gaap_AssetManagementFees'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AssetManagementFees' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Asset management fees</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AssetManagementFees' xlink:to='lab_us-gaap_AssetManagementFees'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare' xlink:label='us-gaap_CommonStockParOrStatedValuePerShare'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommonStockParOrStatedValuePerShare' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Common stock par value per share</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommonStockParOrStatedValuePerShare' xlink:to='lab_us-gaap_CommonStockParOrStatedValuePerShare'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockSharesIssued' xlink:label='us-gaap_PreferredStockSharesIssued'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PreferredStockSharesIssued' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Serial preferred stock shares issued</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PreferredStockSharesIssued' xlink:to='lab_us-gaap_PreferredStockSharesIssued'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure' xlink:label='us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair Value of Mortgage-backed securities held to maturity</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure' xlink:to='lab_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LiabilitiesAbstract' xlink:label='us-gaap_LiabilitiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LiabilitiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>LIABILITIES:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LiabilitiesAbstract' xlink:to='lab_us-gaap_LiabilitiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_JuniorSubordinatedDebenturesAbstract' xlink:label='fil_JuniorSubordinatedDebenturesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_JuniorSubordinatedDebenturesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Junior Subordinated Debentures:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_JuniorSubordinatedDebenturesAbstract' xlink:to='lab_fil_JuniorSubordinatedDebenturesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_MortgageBackedSecurities' xlink:label='fil_MortgageBackedSecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_MortgageBackedSecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Mortgage-Backed Securities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_MortgageBackedSecurities' xlink:to='lab_fil_MortgageBackedSecurities'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_RestrictedAssets' xlink:label='fil_RestrictedAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_RestrictedAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Restricted Assets</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_RestrictedAssets' xlink:to='lab_fil_RestrictedAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities' xlink:label='us-gaap_NetCashProvidedByUsedInOperatingActivities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NetCashProvidedByUsedInOperatingActivities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net cash provided by operating activities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NetCashProvidedByUsedInOperatingActivities' xlink:to='lab_us-gaap_NetCashProvidedByUsedInOperatingActivities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract' xlink:label='us-gaap_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Changes in assets and liabilities:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract' xlink:to='lab_us-gaap_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery' xlink:label='us-gaap_MortgageServicingRightsMSRImpairmentRecovery'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Mortgage servicing rights valuation adjustment</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_MortgageServicingRightsMSRImpairmentRecovery' xlink:to='lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax' xlink:label='us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Tax effect on unrealized holding gain (loss) on securities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax' xlink:to='lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NoncontrollingInterestMember' xlink:label='us-gaap_NoncontrollingInterestMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_NoncontrollingInterestMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Noncontrolling Interest</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_NoncontrollingInterestMember' xlink:to='lab_us-gaap_NoncontrollingInterestMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CommonStockMember' xlink:label='us-gaap_CommonStockMember'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CommonStockMember' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Common Stock</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CommonStockMember' xlink:to='lab_us-gaap_CommonStockMember'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherNoninterestExpense' xlink:label='us-gaap_OtherNoninterestExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherNoninterestExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Other expense</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherNoninterestExpense' xlink:to='lab_us-gaap_OtherNoninterestExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProfessionalFees' xlink:label='us-gaap_ProfessionalFees'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProfessionalFees' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Professional fees</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProfessionalFees' xlink:to='lab_us-gaap_ProfessionalFees'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets' xlink:label='us-gaap_AmortizationOfIntangibleAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AmortizationOfIntangibleAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Amortization of core deposit intangible</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AmortizationOfIntangibleAssets' xlink:to='lab_us-gaap_AmortizationOfIntangibleAssets'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_CommitmentsAndContingenciesAbstract' xlink:label='fil_CommitmentsAndContingenciesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_CommitmentsAndContingenciesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Commitments And Contingencies:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_CommitmentsAndContingenciesAbstract' xlink:to='lab_fil_CommitmentsAndContingenciesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock' xlink:label='us-gaap_ProceedsFromIssuanceOfCommonStock'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProceedsFromIssuanceOfCommonStock' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Proceeds from issuance of common stock, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProceedsFromIssuanceOfCommonStock' xlink:to='lab_us-gaap_ProceedsFromIssuanceOfCommonStock'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities' xlink:label='us-gaap_PaymentsToAcquireAvailableForSaleSecurities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Purchase of investment securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PaymentsToAcquireAvailableForSaleSecurities' xlink:to='lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncreaseDecreaseInLoansDeferredIncome' xlink:label='us-gaap_IncreaseDecreaseInLoansDeferredIncome'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncreaseDecreaseInLoansDeferredIncome' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Increase (decrease) in deferred loan origination fees, net of amortization</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncreaseDecreaseInLoansDeferredIncome' xlink:to='lab_us-gaap_IncreaseDecreaseInLoansDeferredIncome'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues' xlink:label='us-gaap_StockIssuedDuringPeriodValueNewIssues'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockIssuedDuringPeriodValueNewIssues' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Issuance of common stock, net - amount</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StockIssuedDuringPeriodValueNewIssues' xlink:to='lab_us-gaap_StockIssuedDuringPeriodValueNewIssues'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit' xlink:label='us-gaap_CurrentIncomeTaxExpenseBenefit'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CurrentIncomeTaxExpenseBenefit' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Provision (Benefit) for income taxes</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CurrentIncomeTaxExpenseBenefit' xlink:to='lab_us-gaap_CurrentIncomeTaxExpenseBenefit'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss' xlink:label='us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net interest income after provision for loan losses</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss' xlink:to='lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses' xlink:label='us-gaap_ProvisionForLoanLeaseAndOtherLosses'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProvisionForLoanLeaseAndOtherLosses' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Provision for loan losses</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_ProvisionForLoanLeaseAndOtherLosses' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Less provision for loan losses</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_ProvisionForLoanLeaseAndOtherLosses' xlink:to='lab_us-gaap_ProvisionForLoanLeaseAndOtherLosses'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherInterestAndDividendIncome' xlink:label='us-gaap_OtherInterestAndDividendIncome'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherInterestAndDividendIncome' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Other interest and dividends</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherInterestAndDividendIncome' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Other interest and dividends</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherInterestAndDividendIncome' xlink:to='lab_us-gaap_OtherInterestAndDividendIncome'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost' xlink:label='us-gaap_AvailableForSaleSecuritiesAmortizedCost'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AvailableForSaleSecuritiesAmortizedCost' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Amortized Cost of Investment securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AvailableForSaleSecuritiesAmortizedCost' xlink:to='lab_us-gaap_AvailableForSaleSecuritiesAmortizedCost'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_UnearnedESOPShares' xlink:label='us-gaap_UnearnedESOPShares'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_UnearnedESOPShares' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Unearned shares issued to employee stock ownership trust</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_UnearnedESOPShares' xlink:to='lab_us-gaap_UnearnedESOPShares'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Deposits' xlink:label='us-gaap_Deposits'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_Deposits' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Deposit accounts</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_Deposits' xlink:to='lab_us-gaap_Deposits'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansReceivableHeldForSaleNet' xlink:label='us-gaap_LoansReceivableHeldForSaleNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LoansReceivableHeldForSaleNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loans held for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LoansReceivableHeldForSaleNet' xlink:to='lab_us-gaap_LoansReceivableHeldForSaleNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementTable' xlink:label='us-gaap_StatementTable'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StatementTable' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Statement</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StatementTable' xlink:to='lab_us-gaap_StatementTable'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_RiverviewBancorpIncParentCompany' xlink:label='fil_RiverviewBancorpIncParentCompany'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_RiverviewBancorpIncParentCompany' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Riverview Bancorp, Inc. (Parent Company)</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_RiverviewBancorpIncParentCompany' xlink:to='lab_fil_RiverviewBancorpIncParentCompany'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_FairValueOfFinancialInstruments' xlink:label='fil_FairValueOfFinancialInstruments'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_FairValueOfFinancialInstruments' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fair Value Of Financial Instruments</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_FairValueOfFinancialInstruments' xlink:to='lab_fil_FairValueOfFinancialInstruments'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_EmployeeBenefitPlansAbstract' xlink:label='fil_EmployeeBenefitPlansAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_EmployeeBenefitPlansAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Employee Benefit Plans:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_EmployeeBenefitPlansAbstract' xlink:to='lab_fil_EmployeeBenefitPlansAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_JuniorSubordinatedDebentures' xlink:label='fil_JuniorSubordinatedDebentures'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_JuniorSubordinatedDebentures' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Junior Subordinated Debentures</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_JuniorSubordinatedDebentures' xlink:to='lab_fil_JuniorSubordinatedDebentures'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_LoansReceivable' xlink:label='fil_LoansReceivable'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_LoansReceivable' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loans Receivable</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_LoansReceivable' xlink:to='lab_fil_LoansReceivable'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_SaleLeasebackTransactionRentExpense' xlink:label='us-gaap_SaleLeasebackTransactionRentExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_SaleLeasebackTransactionRentExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Sale-leaseback of building</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_SaleLeasebackTransactionRentExpense' xlink:to='lab_us-gaap_SaleLeasebackTransactionRentExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeTaxesPaid' xlink:label='us-gaap_IncomeTaxesPaid'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncomeTaxesPaid' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Income taxes</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncomeTaxesPaid' xlink:to='lab_us-gaap_IncomeTaxesPaid'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease' xlink:label='us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease' xlink:to='lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StockOptionPlanExpense' xlink:label='us-gaap_StockOptionPlanExpense'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockOptionPlanExpense' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Stock options expense</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_StockOptionPlanExpense' xlink:role='http://www.xbrl.org/2003/role/verboseLabel' xml:lang='en-US'>Stock based compensation expense</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_StockOptionPlanExpense' xlink:to='lab_us-gaap_StockOptionPlanExpense'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_OtherRevenueExpenseFromRealEstateOperations' xlink:label='us-gaap_OtherRevenueExpenseFromRealEstateOperations'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_OtherRevenueExpenseFromRealEstateOperations' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Real estate owned expenses</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_OtherRevenueExpenseFromRealEstateOperations' xlink:to='lab_us-gaap_OtherRevenueExpenseFromRealEstateOperations'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_BankOwnedLifeInsuranceIncome' xlink:label='us-gaap_BankOwnedLifeInsuranceIncome'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_BankOwnedLifeInsuranceIncome' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Income from bank owned life insurance</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_BankOwnedLifeInsuranceIncome' xlink:role='http://www.xbrl.org/2009/role/negatedLabel' xml:lang='en-US'>Bank owned life insurance income</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_BankOwnedLifeInsuranceIncome' xlink:to='lab_us-gaap_BankOwnedLifeInsuranceIncome'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainLossOnSalesOfLoansNet' xlink:label='us-gaap_GainLossOnSalesOfLoansNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_GainLossOnSalesOfLoansNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net gain on sale of loans held for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_GainLossOnSalesOfLoansNet' xlink:to='lab_us-gaap_GainLossOnSalesOfLoansNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract' xlink:label='us-gaap_InterestAndDividendIncomeOperatingAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestAndDividendIncomeOperatingAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>INTEREST INCOME:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestAndDividendIncomeOperatingAbstract' xlink:to='lab_us-gaap_InterestAndDividendIncomeOperatingAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_IncomeStatementAbstract' xlink:label='us-gaap_IncomeStatementAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_IncomeStatementAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Statements of Operations</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_IncomeStatementAbstract' xlink:to='lab_us-gaap_IncomeStatementAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses' xlink:label='us-gaap_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loans receivable Allowance for Loan Losses</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses' xlink:to='lab_us-gaap_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis' xlink:label='us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Amortized Cost of Mortgage-backed securities available for sale</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis' xlink:to='lab_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_InterestReceivable' xlink:label='us-gaap_InterestReceivable'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_InterestReceivable' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Accrued interest receivable</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_InterestReceivable' xlink:to='lab_us-gaap_InterestReceivable'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment' xlink:label='us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Investment securities held to maturity, at amortized cost</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment' xlink:to='lab_us-gaap_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_EntityWellKnownSeasonedIssuer' xlink:label='dei_EntityWellKnownSeasonedIssuer'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_EntityWellKnownSeasonedIssuer' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Entity Well-known Seasoned Issuer</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_EntityWellKnownSeasonedIssuer' xlink:to='lab_dei_EntityWellKnownSeasonedIssuer'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_MortgageBackedSecuritiesAbstract' xlink:label='fil_MortgageBackedSecuritiesAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_MortgageBackedSecuritiesAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Mortgage-Backed Securities:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_MortgageBackedSecuritiesAbstract' xlink:to='lab_fil_MortgageBackedSecuritiesAbstract'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GainLossOnSaleOfOtherAssets' xlink:label='us-gaap_GainLossOnSaleOfOtherAssets'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_GainLossOnSaleOfOtherAssets' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Net loss (gain) on loans held for sale, sale of real estate owned, mortgage-backed securities, sale of investment securities and premises and equipment</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_GainLossOnSaleOfOtherAssets' xlink:to='lab_us-gaap_GainLossOnSaleOfOtherAssets'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss' xlink:label='us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Unrealized holding gain (loss) on securities, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss' xlink:to='lab_us-gaap_TradingSecuritiesUnrealizedHoldingGainLoss'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts' xlink:label='us-gaap_FeesAndCommissionsDepositorAccounts'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_FeesAndCommissionsDepositorAccounts' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Fees and service charges</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_FeesAndCommissionsDepositorAccounts' xlink:to='lab_us-gaap_FeesAndCommissionsDepositorAccounts'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PreferredStockValueOutstanding' xlink:label='us-gaap_PreferredStockValueOutstanding'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PreferredStockValueOutstanding' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Serial preferred stock, $.01 par value</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PreferredStockValueOutstanding' xlink:to='lab_us-gaap_PreferredStockValueOutstanding'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Liabilities' xlink:label='us-gaap_Liabilities'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_Liabilities' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Total liabilities</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_Liabilities' xlink:to='lab_us-gaap_Liabilities'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_CapitalLeaseObligations' xlink:label='us-gaap_CapitalLeaseObligations'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CapitalLeaseObligations' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Capital lease obligation</link:label>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_CapitalLeaseObligations' xlink:role='http://www.xbrl.org/2003/role/totalLabel' xml:lang='en-US'>Capital lease obligation</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_CapitalLeaseObligations' xlink:to='lab_us-gaap_CapitalLeaseObligations'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_JuniorSubordinatedNotes' xlink:label='us-gaap_JuniorSubordinatedNotes'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_JuniorSubordinatedNotes' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Junior subordinated debentures</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_JuniorSubordinatedNotes' xlink:to='lab_us-gaap_JuniorSubordinatedNotes'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet' xlink:label='us-gaap_PropertyPlantAndEquipmentNet'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_PropertyPlantAndEquipmentNet' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Premises and equipment, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_PropertyPlantAndEquipmentNet' xlink:to='lab_us-gaap_PropertyPlantAndEquipmentNet'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount' xlink:label='us-gaap_LoansAndLeasesReceivableNetReportedAmount'/>
		<link:label xlink:type='resource' xlink:label='lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Loans receivable, net</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='us-gaap_LoansAndLeasesReceivableNetReportedAmount' xlink:to='lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount'/>
		<link:loc xlink:type='locator' xlink:href='http://xbrl.sec.gov/dei/2012/dei-2012-01-31.xsd#dei_CurrentFiscalYearEndDate' xlink:label='dei_CurrentFiscalYearEndDate'/>
		<link:label xlink:type='resource' xlink:label='lab_dei_CurrentFiscalYearEndDate' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Current Fiscal Year End Date</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='dei_CurrentFiscalYearEndDate' xlink:to='lab_dei_CurrentFiscalYearEndDate'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_DepositAccountsAbstract' xlink:label='fil_DepositAccountsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_DepositAccountsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Deposit Accounts:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_DepositAccountsAbstract' xlink:to='lab_fil_DepositAccountsAbstract'/>
		<link:loc xlink:type='locator' xlink:href='rvsb-20120331.xsd#fil_RestrictedAssetsAbstract' xlink:label='fil_RestrictedAssetsAbstract'/>
		<link:label xlink:type='resource' xlink:label='lab_fil_RestrictedAssetsAbstract' xlink:role='http://www.xbrl.org/2003/role/label' xml:lang='en-US'>Restricted Assets:</link:label>
		<link:labelArc order='1.0' xlink:type='arc' xlink:arcrole='http://www.xbrl.org/2003/arcrole/concept-label' xlink:from='fil_RestrictedAssetsAbstract' xlink:to='lab_fil_RestrictedAssetsAbstract'/>
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        <td class="text"><!--egx--><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:26.8pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">17.&#160;&#160;</font></b></p></td><td width="1535" style="text-align:left; width:1151.25pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">FAIR VALUE MEASUREMENT</font></b></p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">The Fair Value Measurements and Disclosure topic of the FASB Accounting Standards Codification defines fair value and establishes a framework for measuring fair value in GAAP, and expands disclosures about fair value measurements.&#160;&#160;The following definitions describe the categories used in the tables presented under fair value measurement.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0 0.6in 0 0.4in">Quoted prices in active markets for identical assets (Level 1): Inputs that are quoted unadjusted prices in active markets for identical assets that the Company has the ability to access at the measurement date.&#160;&#160;An active market for the asset is a market in which transactions for the asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing basis.</p><p style="text-align:justify; padding:0; margin:0 0.6in 0 0.4in">&#160;</p><p style="text-align:justify; padding:0; margin:0 0.6in 0 0.4in">Other observable inputs (Level 2): Inputs that reflect the assumptions market participants would use in pricing the asset or liability developed based on market data obtained from sources independent of the reporting entity including quoted prices for similar assets, quoted prices for securities in inactive markets and inputs derived principally from or corroborated by observable market data by correlation or other means.</p><p style="text-align:justify; padding:0; margin:0 0.6in 0 0.4in">&#160;</p><p style="text-align:justify; padding:0; margin:0 0.6in 0 0.4in">Significant unobservable inputs (Level 3): Inputs that reflect the reporting entity's own assumptions about the assumptions market participants would use in pricing the asset or liability developed based on the best information available in the circumstances.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Financial instruments are broken down in the tables that follow by recurring or nonrecurring measurement status.&#160;&#160;Recurring assets are initially measured at fair value and are required to be remeasured at fair value in the financial statements at each reporting date. 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
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          <div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div>
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Unrealized gains and losses, net of the related deferred tax effect, are reported as a net amount in a separate component of shareholders&#146; equity entitled &#147;accumulated other comprehensive income (loss).&#148; Realized gains and losses on securities available for sale, determined using the specific identification method, are included in earnings.&#160;&#160;Amortization of premiums and accretion of discounts are recognized in interest income over the period to maturity or expected call, if sooner.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">The Company analyzes investment securities for other than temporary impairment (&#147;OTTI&#148;) on a quarterly basis.&#160;&#160;OTTI is separated into a credit and noncredit component.&#160;&#160;Noncredit component losses are recorded in other comprehensive income (loss) when the Company a) does not intend to sell the security or b) is not more likely than not to have to sell the security prior to the security&#146;s anticipated recovery.&#160;&#160;Credit component losses are reported in non-interest income.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Loans</font></i></b> &#150; Loans are stated at the amount of unpaid principal, reduced by deferred loan origination fees and an allowance for loan losses. 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The general component covers non-impaired loans and is based on historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management&#146;s estimate of probable losses. Such factors include uncertainties in economic conditions, uncertainties in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions.&#160;&#160;The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. 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The existence of some or all of the following criteria will generally confirm that a loss has been incurred: the loan is significantly delinquent and the borrower has not demonstrated the ability or intent to bring the loan current; the Company has no recourse to the borrower, or if it does, the borrower has insufficient assets to pay the debt; the estimated fair value of the loan collateral is significantly below the current loan balance, and there is little or no near-term prospect for improvement.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">A loan is considered impaired when it is probable that a creditor will be unable to collect all amounts (principal and interest) due according to the contractual terms of the loan agreement. 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When the net realizable value of the impaired loan is less than the recorded investment in the loan (including accrued interest, net deferred loan fees or costs, and unamortized premium or discount), an impairment is recognized by adjusting an allocation of the allowance for loan losses. Subsequent to the initial allocation of allowance to the individual loan the Company may conclude that it is appropriate to record a charge-off of the impaired portion of the loan. When a charge-off is recorded the loan balance is reduced and the specific allowance is eliminated. Generally, when a collateral dependent loan is initially measured for impairment and does not have an appraisal performed in the last three months, the Company obtains an updated market valuation. Subsequently, the Company obtains an updated market valuation on an annual basis. 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However, charge-offs are postponed if alternative proposals to restructure, obtain additional guarantors, obtain additional assets as collateral or a potential sale would result in full repayment of the outstanding loan balance. Once any of these or other repayment potentials are considered exhausted the impaired portion of the loan is charged-off, unless an updated valuation of the collateral reveals no impairment. Regardless of whether a loan is unsecured or collateralized, once an amount is determined to be a confirmed loan loss it is promptly charged off.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">A provision for loan losses is charged against income and is added to the allowance for loan losses based on regular assessments of the loan portfolio. 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In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company&#146;s allowance for loan losses, and may require the Company to make additions to the allowance based on their judgment about information available to them at the time of their examinations.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Allowance for Unfunded Loan Commitments </font></i></b>&#150; The allowance for unfunded loan commitments is maintained at a level believed by management to be sufficient to absorb estimated probable losses related to these unfunded credit facilities. The determination of the adequacy of the allowance is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers, and the terms and expiration dates of the unfunded credit facilities. The allowance for unfunded loan commitments is included in other liabilities on the consolidated balance sheets, with changes to the balance charged against non-interest expense.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Real Estate Owned (&#147;REO&#148;)</font></i></b> &#150; REO consists of properties acquired through foreclosure. Specific charge-offs are taken based upon detailed analysis of the fair value of collateral on the underlying loans on which the Company is in the process of foreclosing. Such collateral is transferred into REO at the lower of recorded cost or fair value less estimated costs of disposal. Subsequently, the Company performs an evaluation of the properties and creates a valuation allowance with an offsetting charge to real estate owned expenses for any declines in value. The amounts the Company will ultimately recover from REO may differ from the amounts used in arriving at the net carrying value of these assets because of future market factors beyond the Company&#146;s control or because of changes in the Company&#146;s strategy for the sale of the property.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Federal Home Bank Loan Bank Stock</font></i></b> &#150; The Bank, as a member of Federal Home Loan Bank of Seattle (&#147;FHLB&#148;), is required to maintain an investment in capital stock of the FHLB in an amount equal to the greater of 1% of its outstanding home loans or 5% of advances from the FHLB. The Company views its investment in FHLB stock as a long-term investment. Accordingly, when evaluating for impairment, the value is determined based on the ultimate redemption of the par value rather than recognizing temporary declines in value. The determination of whether a decline affects the ultimate redemption is influenced by criteria such as: 1) the significance of the decline in net assets of the FHLB as compared to the capital stock amount and length of time a decline has persisted; 2) impact of legislative and regulatory changes on the FHLB and 3) the liquidity position of the FHLB. The FHLB had a deterioration in its financial position and as a result had a risk-based capital deficiency under the regulations of its primary federal regulator. Therefore, the Company evaluated its investment in FHLB stock for OTTI, consistent with its accounting policy. Based on the Company&#146;s evaluation of the underlying investment, including the long-term nature of the investment, the liquidity position of the FHLB, the actions being taken by the FHLB to address its regulatory situation and the Company&#146;s intent and ability to hold the investment for a period of time sufficient to be able to redeem its investment at par value, the Company did not recognize an OTTI loss on its FHLB stock. However, this estimate could change in the near term if: 1) significant other-than-temporary losses are incurred on the mortgage backed securities causing a significant decline in their regulatory capital status; 2) the economic losses resulting from credit deterioration on the mortgage backed securities increases significantly and 3) capital preservation strategies being utilized by the FHLB become ineffective.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Premises and Equipment</font></i></b> &#150; Premises and equipment are stated at cost less accumulated depreciation. Leasehold improvements are amortized over the term of the lease or the estimated useful life of the improvements, whichever is less. Gains or losses on dispositions are reflected in earnings. 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The implied fair value of goodwill is then compared to the carrying amount of goodwill on the Company&#146;s balance sheet.&#160;&#160;If the carrying amount of the goodwill is greater than the implied fair value of that goodwill, an impairment loss must be recognized in an amount equal to that excess.&#160;&#160;As of March 31, 2012, the Company had not recognized any impairment loss on the recorded goodwill.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Core Deposit Intangible</font></i></b> &#150; Core deposit intangibles are amortized to non-interest expense using an accelerated method (based on expected attrition and cash flows of core deposit accounts purchased) over ten years.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Advertising and Marketing Expense</font></i></b> &#150; Costs incurred for advertising, merchandising, market research, community investment and business development are classified as marketing expense and are expensed as incurred.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Income Taxes</font></i></b> &#150; Income taxes are accounted for using the asset and liability method. Under this method, a deferred tax asset or liability is determined based on the enacted tax rates which will be in effect when the differences between the financial statement carrying amounts and tax basis of existing assets and liabilities are expected to be reported in the Company&#146;s income tax returns. The effect on deferred taxes of a change in tax rates is recognized in income in the period that includes the enactment date. Valuation allowances are established to reduce the net carrying amount of deferred tax assets if it is determined to be more likely than not, that all or some portion of the potential deferred tax asset will not be realized. The Company files a consolidated federal income tax return. 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Basic earnings per share is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period, excluding restricted stock and unallocated shares owned by the Company&#146;s Employee Stock Ownership Plan (&#147;ESOP&#148;).&#160;&#160;Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised and has been computed after giving consideration to the weighted average diluted effect of the Company&#146;s stock options.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0"><b><i><font style="font-style:italic; font-weight:700">Stock-Based Compensation </font></i></b>&#150; The Company accounts for stock based compensation in accordance with accounting guidance for stock compensation. 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The adoption of this guidance did not have a material impact on the Company&#146;s financial position and results of operations.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">In September 2011, the FASB issued ASU No. 2011-08 regarding goodwill which will allow an entity to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. Under this guidance update, an entity would not be required to calculate the fair value of a reporting unit unless the entity determines, based on a qualitative assessment, that it is more likely than not that its fair value is less than its carrying amount. The update includes a number of events and circumstances for an entity to consider in conducting the qualitative assessment. The guidance is effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before September 15, 2011, if an entity&#146;s financial statements for the most recent annual or interim period have not yet been issued or, for nonpublic entities, have not yet been made available for issuance. The adoption of this guidance is not expected to have a material impact on the Company&#146;s financial position and results of operations.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">In December 2011, the FASB issued ASU No. 2011-12 which temporarily defers the effective date for disclosures related to reclassification adjustments within accumulated other comprehensive income and should continue to report reclassifications out of accumulated other comprehensive income consistent within the presentation requirements in effect before ASU No. 2011-05. 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      </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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                <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 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18861-107790<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 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18743-107790<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 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 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 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18854-107790<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 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18726-107790<br><br><br><br>Reference 6: 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></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Riverview Bancorp, Inc. (Parent Company)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Mar. 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_fil_RiverviewBancorpIncParentCompanyAbstract', window );"><strong>Riverview Bancorp, Inc. (Parent Company):</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_fil_RiverviewBancorpIncParentCompany', window );">Riverview Bancorp, Inc. (Parent Company)</a></td>
        <td class="text"><!--egx--><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="42" style="text-align:left; width:31.8pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">20.&#160;&#160;</font></b></p></td><td width="1529" style="text-align:left; width:1146.75pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">RIVERVIEW BANCORP, INC. (PARENT COMPANY)</font></b></p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="76%" style="text-align:left; width:76%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">BALANCE SHEETS</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="10%" colspan="2" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="10%" colspan="2" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; width:76%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">MARCH 31, 2012 AND 2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="10%" colspan="2" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="10%" colspan="2" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; width:76%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">(In thousands)</font></b></p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">116,750</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,328</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; background-color:#cceeff; width:76%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Other assets</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,694</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,808</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; width:76%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">TOTAL ASSETS</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">100,946</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">130,945</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; width:76%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Accrued expenses and other liabilities</p></td><td width="1%" style="text-align:left; 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padding:0; margin:0" align="right">1,305</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; background-color:#cceeff; width:76%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Deferred income taxes</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">15</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; 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padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">22,681</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="76%" style="text-align:left; background-color:#cceeff; width:76%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Shareholders' equity</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">75,607</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; 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padding:0; margin:0" align="right">100,946</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">130,945</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr></table><p style="text-align:left; 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padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">300</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; 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white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">77</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; 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margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Management service fees paid to the Bank</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; 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padding:0; margin:0" align="right">143</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">143</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Other expenses</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,624</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; 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width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,318</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total expense</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; 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background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,461</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">LOSS BEFORE INCOME TAXES AND EQUITY</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">IN UNDISTRIBUTED INCOME (LOSS) OF THE BANK</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(3,667 </p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,347 </p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,047 </p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">PROVISION <b>(</b>BENEFIT<b>)</b> FOR INCOME TAXES</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">81</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; 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padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(889 </p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(589 </p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,204</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(4,855 </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; 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width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,315</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; 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width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; 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padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Equity in undistributed (earnings) loss of the Bank</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">27,909</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Other assets</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">114</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(43</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(413</p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">&#160;&#160;Purchase of real estate held for investment</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(8,328</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; background-color:#cceeff; width:43%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">&#160;&#160;Proceeds from sale of real estate owned</p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">&#160;&#160;Additional investment in subsidiary</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(7,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; background-color:#cceeff; width:43%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">&#160;&#160;&#160;Net cash used in investing activities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(959</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(15,328</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">CASH FLOWS FROM FINANCING ACTIVITIES:</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; background-color:#cceeff; width:43%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Proceeds from issuance of common stock, net</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,769</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="bottom"><p style="text-align:left; text-indent:27pt; padding:0; margin:0">Net cash provided by financing activities</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,769</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; background-color:#cceeff; width:43%; padding:0" valign="top"><p style="text-align:left; padding:0; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(915</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,059</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">190</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,105</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; background-color:#cceeff; width:43%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">CASH AND CASH EQUIVALENTS, END OF YEAR</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,904</p></td><td width="1%" style="text-align:left; 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padding:0; margin:0" align="right">190</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="43%" style="text-align:left; width:43%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,904</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Non-interest expense</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,229</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,192</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,845</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,157</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Income before income taxes</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(16,153</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(8,375</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">222</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,027</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Provision for income taxes</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(196</p></td><td width="1%" style="text-align:left; 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</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">41</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">313</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160; Net income (loss) (2)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">181</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">714</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Basic earnings (loss) per share (1)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(0.71</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(0.74</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.01</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; 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width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;&#160;&#160;&#160;&#160;&#160;&#160; Diluted earnings (loss) per share (1)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(0.71</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(0.74</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.01</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.03</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; 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width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Interest income</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,388</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,733</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,789</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">11,304</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,139</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,286</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Net interest income</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,687</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,807</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,650</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9,018</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Provision for loan losses</p></td><td width="1%" style="text-align:left; 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padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,675</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,300</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="31%" style="text-align:left; background-color:#cceeff; width:31%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Non-interest income</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,739</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,864</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,050</p></td><td width="1%" style="text-align:left; background-color:#cceeff; 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padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.03</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.06</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.16</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><div style="text-align:center; padding:0; margin:auto" align="center"><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">(1)&#160;</p></td><td width="97%" style="text-align:left; width:97%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Quarterly earnings per share may vary from annual earnings per share due to rounding.&#160;</p></td></tr><tr style="text-align:left"><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="97%" style="text-align:left; width:97%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td></tr><tr style="text-align:left"><td width="3%" style="text-align:left; width:3%; padding:0" valign="top"><p style="text-align:left; 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Increase in the quarter-ended March 31, 2012 due to the increase in the allowance for loan losses.&#160;</p></td></tr></table></div><p style="text-align:left; padding:0; margin:0">&#160;</p><span></span></td>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EGWAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2011</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>CASH FLOWS FROM OPERATING ACTIVITIES:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net Income (Loss)</a></td>
        <td class="num">$ (31,657)<span></span></td>
        <td class="nump">$ 4,315<span></span></td>
        <td class="num">$ (5,444)<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_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to 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>
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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_DepreciationAmortizationAndAccretionNet', window );">Depreciation and amortization</a></td>
        <td class="nump">2,013<span></span></td>
        <td class="nump">1,927<span></span></td>
        <td class="nump">2,225<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_MortgageServicingRightsMSRImpairmentRecovery', window );">Mortgage servicing rights valuation adjustment</a></td>
        <td class="num">(1)<span></span></td>
        <td class="num">(1)<span></span></td>
        <td class="nump">2<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_ProvisionForLoanLeaseAndOtherLosses', window );">Provision for loan losses</a></td>
        <td class="nump">29,350<span></span></td>
        <td class="nump">5,075<span></span></td>
        <td class="nump">15,900<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_DeferredIncomeTaxExpenseBenefit', window );">Provision (benefit) for deferred income taxes</a></td>
        <td class="nump">8,536<span></span></td>
        <td class="nump">1,841<span></span></td>
        <td class="num">(3,295)<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_OtherNoncashExpense', window );">Noncash expense related to ESOP</a></td>
        <td class="nump">62<span></span></td>
        <td class="nump">64<span></span></td>
        <td class="nump">73<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_IncreaseDecreaseInLoansDeferredIncome', window );">Increase (decrease) in deferred loan origination fees, net of amortization</a></td>
        <td class="num">(76)<span></span></td>
        <td class="nump">57<span></span></td>
        <td class="num">(31)<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_PaymentsForOriginationAndPurchasesOfLoansHeldForSale', window );">Origination of loans held for sale</a></td>
        <td class="num">(5,916)<span></span></td>
        <td class="num">(12,166)<span></span></td>
        <td class="num">(29,514)<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_ProceedsFromSaleOfLoansHeldForSale', window );">Proceeds from sales of loans held for sale</a></td>
        <td class="nump">5,682<span></span></td>
        <td class="nump">12,402<span></span></td>
        <td class="nump">30,851<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_StockOptionPlanExpense', window );">Stock based compensation expense</a></td>
        <td class="nump">12<span></span></td>
        <td class="nump">77<span></span></td>
        <td class="nump">112<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_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease', window );">Writedown of real estate owned</a></td>
        <td class="nump">4,238<span></span></td>
        <td class="nump">924<span></span></td>
        <td class="nump">4,794<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_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments', window );">Loss on impairment of security</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,003<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_GainLossOnSaleOfOtherAssets', window );">Net loss (gain) on loans held for sale, sale of real estate owned, mortgage-backed securities, sale of investment securities and premises and equipment</a></td>
        <td class="nump">400<span></span></td>
        <td class="num">(775)<span></span></td>
        <td class="num">(6)<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_BankOwnedLifeInsuranceIncome', window );">Income from bank owned life insurance</a></td>
        <td class="num">(601)<span></span></td>
        <td class="num">(601)<span></span></td>
        <td class="num">(603)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract', window );"><strong>Changes in 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>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
        <td class="num">(627)<span></span></td>
        <td class="nump">1,904<span></span></td>
        <td class="num">(5,567)<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_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Accrued interest receivable</a></td>
        <td class="nump">365<span></span></td>
        <td class="nump">326<span></span></td>
        <td class="nump">205<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_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities', window );">Accrued expenses &amp; other liabilities</a></td>
        <td class="nump">222<span></span></td>
        <td class="nump">2,763<span></span></td>
        <td class="num">(831)<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_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="nump">12,002<span></span></td>
        <td class="nump">18,132<span></span></td>
        <td class="nump">9,874<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_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>
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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_PaymentsForProceedsFromLoansAndLeases', window );">Loan repayments (originations), net</a></td>
        <td class="num">(26,482)<span></span></td>
        <td class="nump">15,213<span></span></td>
        <td class="nump">41,729<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_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from call, maturity, or sale of investment securities available for sale</a></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">9,990<span></span></td>
        <td class="nump">6,150<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_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Principal repayments on investment securities available for sale</a></td>
        <td class="nump">392<span></span></td>
        <td class="nump">203<span></span></td>
        <td class="nump">375<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Purchase of investment securities available for sale</a></td>
        <td class="num">(5,000)<span></span></td>
        <td class="num">(10,000)<span></span></td>
        <td class="num">(4,988)<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_ProceedsFromRepaymentsOfOtherDebt', window );">Principal repayments on mortgage-backed securities available for sale</a></td>
        <td class="nump">789<span></span></td>
        <td class="nump">1,017<span></span></td>
        <td class="nump">1,244<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfMortgageBackedSecuritiesMBS', window );">Principal repayments on mortgage-backed securities held to maturity</a></td>
        <td class="nump">19<span></span></td>
        <td class="nump">69<span></span></td>
        <td class="nump">311<span></span></td>
      </tr>
      <tr class="re">
        <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 );">Principal repayments on investment securities held to maturity</a></td>
        <td class="nump">13<span></span></td>
        <td class="nump">11<span></span></td>
        <td class="nump">12<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_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase of premises and equipment and capitalized software</a></td>
        <td class="num">(2,578)<span></span></td>
        <td class="num">(1,310)<span></span></td>
        <td class="num">(475)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireRestrictedCertificatesOfDeposit', window );">Purchase of certificates of deposit held for investment, net</a></td>
        <td class="num">(26,573)<span></span></td>
        <td class="num">(14,900)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToDevelopRealEstateAssets', window );">Capital expenditures on real estate owned</a></td>
        <td class="num">(207)<span></span></td>
        <td class="num">(49)<span></span></td>
        <td class="num">(47)<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_ProceedsFromSaleOfForeclosedAssets', window );">Proceeds from sale of real estate owned and premises and equipment</a></td>
        <td class="nump">9,275<span></span></td>
        <td class="nump">5,328<span></span></td>
        <td class="nump">12,044<span></span></td>
      </tr>
      <tr class="ro">
        <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">(45,352)<span></span></td>
        <td class="nump">5,572<span></span></td>
        <td class="nump">56,355<span></span></td>
      </tr>
      <tr class="re">
        <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="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInCustomerDeposits', window );">Net change in deposit accounts</a></td>
        <td class="nump">27,925<span></span></td>
        <td class="nump">28,482<span></span></td>
        <td class="nump">17,982<span></span></td>
      </tr>
      <tr class="re">
        <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 issuance of common stock, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18,769<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromOtherShortTermDebt', window );">Proceeds from borrowings</a></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">124,450<span></span></td>
        <td class="nump">922,600<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfDebt', window );">Repayment of borrowings</a></td>
        <td class="num">(5,000)<span></span></td>
        <td class="num">(157,450)<span></span></td>
        <td class="num">(1,012,450)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfDebtAndCapitalLeaseObligations', window );">Principal payments under capital lease obligation</a></td>
        <td class="num">(54)<span></span></td>
        <td class="num">(43)<span></span></td>
        <td class="num">(40)<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_NetIncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Net increase (decrease) in advance payments by borrowers</a></td>
        <td class="nump">120<span></span></td>
        <td class="nump">253<span></span></td>
        <td class="nump">67<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_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="nump">27,991<span></span></td>
        <td class="nump">14,461<span></span></td>
        <td class="num">(71,841)<span></span></td>
      </tr>
      <tr class="re">
        <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="num">(5,359)<span></span></td>
        <td class="nump">38,165<span></span></td>
        <td class="num">(5,612)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD</a></td>
        <td class="nump">51,752<span></span></td>
        <td class="nump">13,587<span></span></td>
        <td class="nump">19,199<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashEquivalentsAtCarryingValue', window );">CASH AND CASH EQUIVALENTS, END OF PERIOD</a></td>
        <td class="nump">46,393<span></span></td>
        <td class="nump">51,752<span></span></td>
        <td class="nump">13,587<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalCashFlowElementsAbstract', window );"><strong>Cash paid during the period for:</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_InterestPaid', window );">Interest</a></td>
        <td class="nump">4,400<span></span></td>
        <td class="nump">6,688<span></span></td>
        <td class="nump">11,343<span></span></td>
      </tr>
      <tr class="ro">
        <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</a></td>
        <td class="nump">830<span></span></td>
        <td class="nump">387<span></span></td>
        <td class="nump">1,320<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>NONCASH INVESTING AND 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="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferToOtherRealEstate', window );">Transfer of loans to real estate owned</a></td>
        <td class="nump">6,843<span></span></td>
        <td class="nump">22,772<span></span></td>
        <td class="nump">19,597<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOtherRealEstate', window );">Transfer of real estate owned to loans</a></td>
        <td class="nump">1,859<span></span></td>
        <td class="nump">2,724<span></span></td>
        <td class="nump">3,512<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease', window );">Fair value adjustment to securities available for sale</a></td>
        <td class="nump">372<span></span></td>
        <td class="num">(324)<span></span></td>
        <td class="nump">857<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther', window );">Income tax effect related to fair value adjustment</a></td>
        <td class="num">(126)<span></span></td>
        <td class="nump">109<span></span></td>
        <td class="num">(327)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease', window );">Capitalized software acquired under a service agreement</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">19<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SaleLeasebackTransactionRentExpense', window );">Sale-leaseback of building</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 2,000<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_AdditionalCashFlowElementsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_AdditionalCashFlowElementsAbstract</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>
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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_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>
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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_BankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 210.9-04.13)<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_BankOwnedLifeInsuranceIncome</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_CapitalizedComputerSoftwarePeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 increases or decreases in capitalized computer software costs for 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 985<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6501960&amp;loc=d3e128462-111756<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 86<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalizedComputerSoftwarePeriodIncreaseDecrease</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_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>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes 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. Excludes cash and cash equivalents within 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>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_CashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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. Excludes cash and cash equivalents within 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 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> -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 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_CashEquivalentsAtCarryingValue</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_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</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_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 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 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 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 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 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 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 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 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> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<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 08<br><br> -Paragraph h<br><br> -Article 4<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 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 10: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_DepreciationAmortizationAndAccretionNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 net amount of depreciation, amortization, and accretion recognized during an accounting period. As a noncash item, the net amount 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 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 (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_DepreciationAmortizationAndAccretionNet</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_GainLossOnSaleOfOtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 results of operations resulting from the sale or disposal of 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfOtherAssets</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_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 gain (loss) realized on the sale of held-to-maturity securities disposed of 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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldtomaturitySecuritiesSoldSecurityRealizedGainLossExcludingOtherThanTemporaryImpairments</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_IncomeTaxEffectsAllocatedDirectlyToEquityOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 of items occurring during the period that have been charged or credited directly to components of shareholders' equity and are not otherwise defined.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 20<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=18498875&amp;loc=d3e39076-109324<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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxEffectsAllocatedDirectlyToEquityOther</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_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 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>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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the aggregate amount of obligations incurred but not paid and other operating obligations not separately disclosed in the statement of cash flows.</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_IncreaseDecreaseInAccountsPayableAndOtherOperatingLiabilities</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_IncreaseDecreaseInAccruedInterestReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the amount due from borrowers for interest payments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_IncreaseDecreaseInAccruedInterestReceivableNet</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>
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                    <td><strong> Period Type:</strong></td>
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          </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 increase (decrease) during the period in the amount of customer money held in customer accounts, including security deposits, collateral for a current or future transactions, initial payment of the cost of acquisition or for the right to enter into a contract or agreement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_IncreaseDecreaseInCustomerDeposits</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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          </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 );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in net unamortized loan origination fees and other fees that are collected at origination but recorded as income over the life of the 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> -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_IncreaseDecreaseInLoansDeferredIncome</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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              </div>
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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_IncreaseDecreaseInOtherOperatingAssetsAndLiabilitiesNetAbstract</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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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the value of prepaid expenses and other assets not separately disclosed in the statement of cash flows, for example, deferred expenses, intangible assets, or 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 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_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets</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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                  <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 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>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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
                  </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_MortgageServicingRightsMSRImpairmentRecovery">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 adjustment to the carrying value of the rights retained or purchased to service mortgages. These adjustments are made when the estimate of the fair value is changed. This element is a noncash adjustment to net income 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 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 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)(6),(7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122739-111746<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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageServicingRightsMSRImpairmentRecovery</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>
                  </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 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 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<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 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_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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                    <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>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
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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 );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</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>
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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_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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 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 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<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 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_NetCashProvidedByUsedInInvestingActivities</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>
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                    <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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        <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>
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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: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>
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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 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 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 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 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 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 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_NetCashProvidedByUsedInOperatingActivities</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_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>
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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_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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<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 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 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 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 4: 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 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 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<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 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 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> -Paragraph 20<br><br> -Article 9<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 Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 9: 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 10: 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 11: 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 12: 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 13: 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=20435746&amp;loc=d3e565-108580<br><br><br><br>Reference 14: 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 15: 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 16: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 increase/(decrease) in accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate tax authority or insurer (or insurance agency) on behalf of the borrower.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 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 OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Chapter V<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncreaseDecreaseInAdvancePaymentsByBorrowersForTaxesAndInsurance</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_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 of unsold available-for-sale securities (except when designated as a fair value hedge or which had been determined to have had an other than temporary decline in fair value below its amortized cost basis). 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>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_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecrease</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_OtherNoncashExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other expenses or losses included in net income that result in no cash outflows or inflows in the period and are not separately disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoncashExpense</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_PaymentsForOriginationAndPurchasesOfLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 cash outflow for loans purchased and created with the intention to resell them in the near 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 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>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 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3367-108585<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 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 4: 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 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 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3461-108585<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_PaymentsForOriginationAndPurchasesOfLoansHeldForSale</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_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_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 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 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 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 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 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 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 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>
                  </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 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 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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_PaymentsToAcquireRestrictedCertificatesOfDeposit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 temporary investment with specific maturity and interest rate that are prohibited for current use.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<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, 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_PaymentsToAcquireRestrictedCertificatesOfDeposit</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_PaymentsToDevelopRealEstateAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Payments to develop real estate assets is the process of adding improvements on or to a parcel of land. Such improvements may include drainage, utilities, subdividing, access, buildings, and any combination of these elements; and are generally classified as cash flow from investing 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<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 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 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<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_PaymentsToDevelopRealEstateAssets</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 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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_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 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 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 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 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 OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Chapter V<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 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 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 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 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 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 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 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 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 5: 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_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfMortgageBackedSecuritiesMBS">
        <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 cash inflow from the maturity (principal due), prepayment and call (request of early payment) of a loan financed by home mortgage payments classified 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> -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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 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 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 12<br><br> -Subparagraph (a)<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_ProceedsFromMaturitiesPrepaymentsAndCallsOfMortgageBackedSecuritiesMBS</nobr></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_ProceedsFromOtherShortTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 a borrowing not otherwise defined in the taxonomy 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 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>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 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 Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<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_ProceedsFromOtherShortTermDebt</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>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfOtherDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 in other borrowings not otherwise defined 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> -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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRepaymentsOfOtherDebt</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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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 or maturity (principal being due) of 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 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 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 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 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 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 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 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_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</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>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</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_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 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>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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
                  </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>
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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 );">- 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 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>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 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 4: 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 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 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3461-108585<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_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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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <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>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLeaseAndOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 earnings, based on an assessment of uncollectibility from the counterparty on account of loan, lease or other credit losses, to reduce these accounts to the amount that approximates their 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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<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 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<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 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 Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 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 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 210.9-04.11)<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_ProvisionForLoanLeaseAndOtherLosses</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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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 Increase or Decrease in the real estate owned valuation allowance for 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 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>
                    <td><nobr>us-gaap_RealEstateOwnedValuationAllowancePeriodIncreaseDecrease</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>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow during the period from the repayment of aggregate short-term and long-term debt. Excludes payment of 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_RepaymentsOfDebt</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><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 cash outflow during the period from the repayment of aggregate short-term and long-term debt and payment of 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_RepaymentsOfDebtAndCapitalLeaseObligations</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>
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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_SaleLeasebackTransactionRentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 current period expense recorded for use of the property in connection with the transaction involving the sale of property to another party and the lease of the property back to the seller.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 840<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6453985&amp;loc=d3e41499-112717<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 13<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SaleLeasebackTransactionRentExpense</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>duration</td>
                  </tr>
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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_StockOptionPlanExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 noncash expense that accounts for the value of stock or unit options distributed to employees as 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 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockOptionPlanExpense</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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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <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>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_TransferOtherRealEstate</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_TransferToOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of other real estate transferred to the entity's other real estate in noncash 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 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 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 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 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TransferToOtherRealEstate</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>duration</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETYAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEETS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th" colspan="2">
          <div>Mar. 31, 2011</div>
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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_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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_CashEquivalentsAtCarryingValue', window );">Cash and cash equivalents (including interest-earning accounts of $33,437 and $37,349)</a></td>
        <td class="nump">$ 46,393<span></span></td>
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        <td class="nump">$ 51,752<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_CertificatesOfDepositAtCarryingValue', window );">Certificate of deposits held for investment</a></td>
        <td class="nump">41,473<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">14,900<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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_LoansReceivableHeldForSaleNet', window );">Loans held for sale</a></td>
        <td class="nump">480<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">173<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment', window );">Investment securities held to maturity, at amortized cost</a></td>
        <td class="nump">493<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">506<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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 );">Investment securities available for sale, at fair value</a></td>
        <td class="nump">6,314<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">6,320<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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 );">Mortgage-backed securities held to maturity, at amortized cost</a></td>
        <td class="nump">171<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">190<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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 available for sale, at fair value</a></td>
        <td class="nump">974<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">1,777<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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 );">Loans receivable, net</a></td>
        <td class="nump">664,888<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">672,609<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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 );">Real estate owned</a></td>
        <td class="nump">18,731<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">27,590<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
        <td class="nump">6,362<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">5,887<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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">2,158<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">2,523<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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">7,350<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">7,350<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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">17,068<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">16,100<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxesAndOtherAssetsNoncurrent', window );">Deferred income taxes, net</a></td>
        <td class="nump">603<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">9,447<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtAmortizedValue', window );">Mortgage servicing rights, net</a></td>
        <td class="nump">278<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">396<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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">25,572<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">25,572<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherIntangibleAssetsNet', window );">Core deposit intangible, net</a></td>
        <td class="nump">137<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">219<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank owned life insurance</a></td>
        <td class="nump">16,553<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">15,952<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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">855,998<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">859,263<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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 );">Deposit accounts</a></td>
        <td class="nump">744,455<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">716,530<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableAndOtherAccruedLiabilities', window );">Accrued expenses and other liabilities</a></td>
        <td class="nump">9,398<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">9,396<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance', window );">Advance payments by borrowers for taxes and insurance</a></td>
        <td class="nump">800<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">680<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedNotes', window );">Junior subordinated debentures</a></td>
        <td class="nump">22,681<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">22,681<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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_CapitalLeaseObligations', window );">Capital lease obligation</a></td>
        <td class="nump">2,513<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">2,567<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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">779,847<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">751,854<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingencies', window );">COMMITMENTS AND CONTINGENCIES</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="re">
        <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="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValueOutstanding', window );">Common stock, $.01 par value</a></td>
        <td class="nump">225<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">225<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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">65,610<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">65,639<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <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">11,536<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">43,193<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnearnedESOPShares', window );">Unearned shares issued to employee stock ownership trust</a></td>
        <td class="num">(593)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num">(696)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss</a></td>
        <td class="num">(1,171)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="num">(1,417)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <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">75,607<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">106,944<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RedeemableNoncontrollingInterestEquityCarryingAmount', window );">Noncontrolling interest</a></td>
        <td class="nump">544<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">465<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
        <td class="nump">76,151<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">107,409<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></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 EQUITY</a></td>
        <td class="nump">$ 855,998<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">$ 859,263<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr>
        <td colspan="5"></td>
      </tr>
      <tr>
        <td colspan="5">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">See Note 19</td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableAndOtherAccruedLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 liabilities incurred and payable to vendors for goods and services received, and other costs not separately disclosed in the balance sheet that are statutory in nature, are incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered.</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_AccountsPayableAndOtherAccruedLiabilities</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_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><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 14, 17, 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 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 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e637-108580<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 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 14A<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=SL7669686-108580<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=20435746&amp;loc=d3e681-108580<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 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 31<br><br><br><br> -Article 5<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 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 8: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_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_AdvancePaymentsByBorrowersForTaxesAndInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 accumulated prepayments received by financial institutions from borrowers for taxes (for example, property taxes) and insurance (for example, property and catastrophe) which will periodically be remitted to the appropriate governmental agency or vendor on behalf of the borrower.</p>
              </div><a href="javascript:void(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 210.9-03.15(5))<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 OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 16<br><br><br><br> -Chapter V<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_AdvancePaymentsByBorrowersForTaxesAndInsurance</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> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 7<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 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 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 18<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 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>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> -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>Amount of investment in debt and 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><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 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 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 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 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 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 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 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 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=7534914&amp;loc=d3e22054-111558<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 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 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 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 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 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 10: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(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> -Paragraph 9<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 12<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)<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 03<br><br><br><br> -Paragraph 10<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 OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 12<br><br><br><br> -Chapter V<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_BankOwnedLifeInsurance</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_CapitalLeaseObligations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 equal to the present value (the principal) at the beginning of the lease term of minimum lease payments during the lease term (excluding that portion of the payments representing executory costs such as insurance, maintenance, and taxes to be paid by the lessor, together with any profit thereon) net of payments or other amounts applied to the principal through 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><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 7<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 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalLeaseObligations</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_CashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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. Excludes cash and cash equivalents within 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><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 1<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> -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 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 210.5-02.1)<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_CashEquivalentsAtCarryingValue</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_CertificatesOfDepositAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate.  A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit).  Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties.  Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related 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><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 1<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> -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 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 210.5-02.1)<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_CertificatesOfDepositAtCarryingValue</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_CommitmentsAndContingencies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p>
              </div><a href="javascript:void(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.(a),19)<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 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 210.5-02.25)<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> -Section 02<br><br><br><br> -Paragraph 25<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 450<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=6952336&amp;loc=d3e14326-108349<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 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 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 17<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 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 19<br><br><br><br> -Article 7<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 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 210.9-03.17)<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_CommitmentsAndContingencies</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_CommonStockValueOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of all classes of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares exclude common shares repurchased by the entity and held as treasury shares.</p>
              </div><a href="javascript:void(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)<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> -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_CommonStockValueOutstanding</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_DeferredIncomeTaxesAndOtherAssetsNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 noncurrent portion as of the balance sheet date of the aggregate carrying amount 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; after the valuation allowance, if any, to reduce such amount to net realizable value. Also includes the aggregate carrying amount, as of the balance sheet date, of noncurrent assets not separately disclosed in the balance sheet. Noncurrent assets are expected to be realized or consumed after 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>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_DeferredIncomeTaxesAndOtherAssetsNoncurrent</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_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 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>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> -Paragraph 12<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 AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Paragraph 37, 38, 39<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 325<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<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> -Paragraph 26<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 12<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_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_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 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=14024403&amp;loc=d3e13816-109267<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 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 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 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 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 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 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 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 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 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 5<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 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 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 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 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=7534914&amp;loc=d3e22054-111558<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 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 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 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 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 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 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>
                  </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_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 investments in debt securities categorized as held-to-maturity valued at amortized cost, excludes other than temporary impairment (OTTI).</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_HeldToMaturitySecuritiesAmortizedCostBeforeOtherThanTemporaryImpairment</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_InterestReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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 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>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 02<br><br><br><br> -Paragraph 8<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_InterestReceivable</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_JuniorSubordinatedNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 the current and noncurrent portions, carrying value as of the balance sheet date of long-term debt (with maturities initially due after one year or beyond the operating cycle if longer) identified as Junior Subordinated Notes, which have a lower priority than senior instruments.</p>
              </div><a href="javascript:void(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 13, 16<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 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX210.5-02.22)<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 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 210.9-03.16)<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 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(a))<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 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_JuniorSubordinatedNotes</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_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
                  </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_LiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_LiabilitiesAbstract</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_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><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 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> -Paragraph 25<br><br><br><br> -Article 7<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 32<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_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_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>Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing 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 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 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 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 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 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 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 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 7<br><br><br><br> -Subparagraph a<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 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 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 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 6: 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> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph h<br><br><br><br> -Chapter V<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 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 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=16382521&amp;loc=d3e3084-111518<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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_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><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> -Paragraph 15<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 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 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 Mortgage-Backed Securities<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6517959<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_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure</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_OtherIntangibleAssetsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 carrying amount as of the balance sheet date of other indefinite-lived and finite-lived intangible assets that are not separately presented on the statement of financial position.</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_OtherIntangibleAssetsNet</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_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 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>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> -Paragraph 2, 3, 4<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -Chapter 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_PrepaidExpenseAndOtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 amount for an unclassified balance sheet date of expenditures made in advance of when the economic benefit of the cost will be realized, and which will be expensed in future periods with the passage of time or when a triggering event occurs and the carrying amount as of the balance sheet date of assets not otherwise specified in the taxonomy. Also includes assets not individually reported in the financial statements, or not separately disclosed in notes.</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_PrepaidExpenseAndOtherAssets</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_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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, net of accumulated depreciation, depletion and amortization, of long-lived physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p>
              </div><a href="javascript:void(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 8<br><br><br><br> -Article 7<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 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 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 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>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 210.5-02.13)<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 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 13<br><br><br><br> -Subparagraph a<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_PropertyPlantAndEquipmentNet</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_RedeemableNoncontrollingInterestEquityCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 reporting date, the aggregate carrying amount of all noncontrolling interests which are redeemable by the (parent) entity (1) at a fixed or determinable price on a fixed or determinable date, (2) at the option of the holder of the noncontrolling interest, or (3) upon occurrence of an event that is not solely within the control of the (parent) entity. This item includes noncontrolling interest holder's ownership (or holders' ownership) regardless of the type of equity interest (common, preferred, other) including all potential organizational (legal) forms of the investee 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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 480<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 3A<br><br><br><br> -Subparagraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=14643745&amp;loc=SL6540498-122764<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 D-98<br><br><br><br> -Paragraph 43<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 Accounting Standards Codification<br><br><br><br> -Topic 480<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 3A<br><br><br><br> -Subparagraph (12)(c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=14643745&amp;loc=SL6540498-122764<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 Emerging Issues Task Force (EITF)<br><br><br><br> -Number D-98<br><br><br><br> -Paragraph 43<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 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 480<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 3A<br><br><br><br> -Subparagraph (16)(c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=14643745&amp;loc=SL6540498-122764<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 480<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 3A<br><br><br><br> -Subparagraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=14643745&amp;loc=SL6540498-122764<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 27<br><br><br><br> -Subparagraph c<br><br><br><br> -Appendix A<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_RedeemableNoncontrollingInterestEquityCarryingAmount</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_RetainedEarningsAccumulatedDeficit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RetainedEarningsAccumulatedDeficit</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_ServicingAssetAtAmortizedValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amortized carrying amount (balance) 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><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 860<br><br><br><br> -SubTopic 50<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -Subparagraph (a)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7882072&amp;loc=d3e122739-111746<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 140<br><br><br><br> -Paragraph 13A, 13B<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 860<br><br><br><br> -SubTopic 50<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7524895&amp;loc=d3e120260-111741<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 FASB Staff Position (FSP)<br><br><br><br> -Number FAS140-4/FIN46(R)-8<br><br><br><br> -Paragraph B10<br><br><br><br> -Subparagraph a(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 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 860<br><br><br><br> -SubTopic 50<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6469459&amp;loc=d3e122492-111745<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 860<br><br><br><br> -SubTopic 50<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6469459&amp;loc=d3e122501-111745<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 140<br><br><br><br> -Paragraph 17<br><br><br><br> -Subparagraph g(1)(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_ServicingAssetAtAmortizedValue</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_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><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 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 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 A3<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 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>Reference 5: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
                  </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_StockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_StockholdersEquityAbstract</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_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is 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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4568740-111683<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 AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4I<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=18733213&amp;loc=SL4590271-111686<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 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4568447-111683<br><br><br><br><br><br><br><br>Reference 6: 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</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_UnearnedESOPShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 of unearned shares for all classes of common stock and nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by an employee stock ownership plan (ESOP). Includes the sale of shares or the issuance treasury shares to an ESOP.</p>
              </div><a href="javascript:void(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 93-6<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 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 718<br><br><br><br> -SubTopic 40<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6418621&amp;loc=d3e17540-113929<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 93-6<br><br><br><br> -Paragraph 53<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 FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 40<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6418591&amp;loc=d3e17344-113926<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_UnearnedESOPShares</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>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ERJCI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF STOCKHOLDERS EQUITY (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Common Stock</div>
        </th>
        <th class="th">
          <div>Additional Paid-In Capital</div>
        </th>
        <th class="th">
          <div>Retained Earnings</div>
        </th>
        <th class="th">
          <div>Unearned Shares Issued to Employee Stock Ownership Trust</div>
        </th>
        <th class="th">
          <div>Accumulated Other Comprehensive Income (Loss)</div>
        </th>
        <th class="th">
          <div>Noncontrolling Interest</div>
        </th>
        <th class="th">
          <div>Stockholders' Equity, Total</div>
        </th>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at beginning of period - amount at Mar. 31, 2009</a></td>
        <td class="nump">$ 109<span></span></td>
        <td class="nump">$ 46,866<span></span></td>
        <td class="nump">$ 44,322<span></span></td>
        <td class="num">$ (902)<span></span></td>
        <td class="num">$ (1,732)<span></span></td>
        <td class="nump">$ 364<span></span></td>
        <td class="nump">$ 89,027<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_CommonStockSharesIssued', window );">Balance at beginning of period - shares at Mar. 31, 2009</a></td>
        <td class="nump">10,923,773<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 (loss)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,444)<span></span></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">(5,444)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockOptionPlanExpense', window );">Stock options expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">112<span></span></td>
        <td class="text">&#xA0;<span></span></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">112<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfESOPAward', window );">Earned ESOP shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(30)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">103<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">73<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAdjustmentsTaxAbstract', window );"><strong>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>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax', window );">Unrealized holding gain (loss) on securities available for sale, net</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">530<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">530<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest', window );">Noncontrolling interest</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="nump">56<span></span></td>
        <td class="nump">56<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 end of period - amount at Mar. 31, 2010</a></td>
        <td class="nump">109<span></span></td>
        <td class="nump">46,948<span></span></td>
        <td class="nump">38,878<span></span></td>
        <td class="num">(799)<span></span></td>
        <td class="num">(1,202)<span></span></td>
        <td class="nump">420<span></span></td>
        <td class="nump">84,354<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_CommonStockSharesIssued', window );">Balance at beginning of period - shares at Mar. 31, 2010</a></td>
        <td class="nump">10,923,773<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 );">Issuance of common stock, net - shares</a></td>
        <td class="nump">11,548,117<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance of common stock, net - amount</a></td>
        <td class="nump">116<span></span></td>
        <td class="nump">18,653<span></span></td>
        <td class="text">&#xA0;<span></span></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">18,769<span></span></td>
      </tr>
      <tr class="re">
        <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 (loss)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,315<span></span></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">4,315<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockOptionPlanExpense', window );">Stock options expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">77<span></span></td>
        <td class="text">&#xA0;<span></span></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">77<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfESOPAward', window );">Earned ESOP shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(39)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">103<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">64<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAdjustmentsTaxAbstract', window );"><strong>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>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax', window );">Unrealized holding gain (loss) on securities available for sale, net</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="num">(215)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(215)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest', window );">Noncontrolling interest</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="nump">45<span></span></td>
        <td class="nump">45<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 end of period - amount at Mar. 31, 2011</a></td>
        <td class="nump">225<span></span></td>
        <td class="nump">65,639<span></span></td>
        <td class="nump">43,193<span></span></td>
        <td class="num">(696)<span></span></td>
        <td class="num">(1,417)<span></span></td>
        <td class="nump">465<span></span></td>
        <td class="nump">107,409<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_CommonStockSharesIssued', window );">Balance at end of period - shares at Mar. 31, 2011</a></td>
        <td class="nump">22,471,890<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <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 (loss)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(31,657)<span></span></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">(31,657)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockOptionPlanExpense', window );">Stock options expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12<span></span></td>
        <td class="text">&#xA0;<span></span></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<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfESOPAward', window );">Earned ESOP shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(41)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">103<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">62<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAdjustmentsTaxAbstract', window );"><strong>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>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax', window );">Unrealized holding gain (loss) on securities available for sale, net</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">246<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">246<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest', window );">Noncontrolling interest</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="nump">79<span></span></td>
        <td class="nump">79<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 end of period - amount at Mar. 31, 2012</a></td>
        <td class="nump">$ 225<span></span></td>
        <td class="nump">$ 65,610<span></span></td>
        <td class="nump">$ 11,536<span></span></td>
        <td class="num">$ (593)<span></span></td>
        <td class="num">$ (1,171)<span></span></td>
        <td class="nump">$ 544<span></span></td>
        <td class="nump">$ 76,151<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_CommonStockSharesIssued', window );">Balance at end of period - shares at Mar. 31, 2012</a></td>
        <td class="nump">22,471,890<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></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 );">- Definition</a><div>
                <p>Value of shares committed to be released under an Employee Stock Ownership Plan (ESOP).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 40<br><br> -Section 25<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6418455&amp;loc=d3e16721-113920<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 93-6<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></p>
              </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 change in unrealized holding gain (loss), net of tax, on available-for-sale securities included in a separate component of shareholders' equity 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 115<br><br> -Paragraph 21<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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesChangeInNetUnrealizedHoldingGainLossNetOfTax</nobr></td>
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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>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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)<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 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>
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                    <td>na</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>
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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 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 noncontrolling interests. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, 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 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4613674-111683<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 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<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 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 4: 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=18733213&amp;loc=SL4591552-111686<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 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 6: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest</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 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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<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 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 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 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 4: 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 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 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<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 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.  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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>
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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>
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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 210.5-02.29-31)<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 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 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 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 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 5: 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></p>
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                <p>Number of new stock issued during the period.</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 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 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 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 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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                <p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</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 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 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 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 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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                <p>The noncash expense that accounts for the value of stock or unit options distributed to employees as 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 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 Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 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></p>
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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,341</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,721</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Basic EPS</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1.42</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.24</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(0.51</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 3.35pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Diluted EPS computation:</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Numerator-net income (loss)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(31,657</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,315</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(5,444</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">)</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Denominator-weighted average</p><p style="text-align:left; text-indent:-9pt; padding:0; margin:0">common shares outstanding</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">22,318</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,341</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,721</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; width:64%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; text-indent:27pt; padding:0; margin:0">Effect of dilutive stock options</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; white-space:nowrap; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:27pt; padding:0; margin:0">Weighted average common shares</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td></tr><tr style="text-align:left"><td width="64%" style="text-align:left; background-color:#cceeff; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.5in; padding:0; margin:0">and common stock equivalents (1)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">22,318</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,341</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; white-space:nowrap; padding:0" valign="bottom"><p style="text-align:left; white-space:nowrap; padding:0; margin:0"><font style="white-space:nowrap">&#160;</font></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; 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                <p>No authoritative reference available.</p>
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                <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="ID0EHH">
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          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF EQUITY (Parenthetical) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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        <td class="nump">$ 109<span></span></td>
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                <p>Tax effect of unrealized holding gain (loss) before reclassification adjustments and transfers on available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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<html>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EJIAE">
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          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
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        <td class="nump">8,123<span></span></td>
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        <td class="nump">177<span></span></td>
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        <td class="nump">940<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Serial preferred stock shares authorized</a></td>
        <td class="nump">250,000<span></span></td>
        <td class="nump">250,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Serial preferred stock shares issued</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Serial preferred stock shares outstanding</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock par value per share</a></td>
        <td class="nump">$ 0.01<span></span></td>
        <td class="nump">$ 0.01<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Common stock shares authorized</a></td>
        <td class="nump">50,000,000<span></span></td>
        <td class="nump">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_CommonStockSharesIssued', window );">Common stock shares issued</a></td>
        <td class="nump">22,471,890<span></span></td>
        <td class="nump">22,471,890<span></span></td>
      </tr>
      <tr class="ro">
        <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 );">Common stock shares outstanding</a></td>
        <td class="nump">22,471,890<span></span></td>
        <td class="nump">22,471,890<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_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_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 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>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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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_CommonStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <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 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>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 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_CommonStockParOrStatedValuePerShare</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_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> -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 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 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_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_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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)<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 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_CommonStockSharesIssued</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>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 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 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 02<br><br> -Paragraph 30<br><br> -Article 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> -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 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_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_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>
                  </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_InterestBearingDepositsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Cash on deposit with financial institutions, classified as a cash equivalent, that earns interest, either at a fixed or market 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>us-gaap_InterestBearingDepositsAtCarryingValue</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_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 amount of allowance for credit losses pertaining to impaired 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>us-gaap_LoansAndLeasesReceivableImpairedAllowanceForLoanLosses</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>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</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>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 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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 15<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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> -Glossary Mortgage-Backed Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6517959<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure</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>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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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <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 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 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 29<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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockParOrStatedValuePerShare</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>num:perShareItemType</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 maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) 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> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29<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 210.5-02.28)<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 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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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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                    <td><nobr>us-gaap_PreferredStockSharesAuthorized</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>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" 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<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 210.5-02.28)<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_PreferredStockSharesIssued</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>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p>
              </div><a href="javascript:void(0);" 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<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 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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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="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fil_GoodwillAbstract', window );"><strong>Goodwill:</strong></a></td>
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        <td class="text"><!--egx--><p style="text-align:justify; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="37" style="text-align:left; width:27.65pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">9.&#160;&#160;</font></b></p></td><td width="1534" style="text-align:left; width:1150.5pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">GOODWILL</font></b></p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Goodwill and intangibles generally arise from business combinations accounted for under the purchase method.&#160;&#160;Goodwill and other intangibles deemed to have indefinite lives generated from purchase business combinations are not subject to amortization and are instead tested for impairment no less than annually.&#160;&#160;The Company has one reporting unit, the Bank, for purposes of computing goodwill.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">During the third quarter of fiscal 2012, the Company performed its annual goodwill impairment test to determine whether an impairment of its goodwill asset exists. The goodwill impairment test involves a two-step process. The first step is a comparison of the reporting unit&#146;s fair value to its carrying value. If the reporting unit&#146;s fair value is less than its carrying value, the Company would be required to progress to the second step. In the second step the Company calculates the implied fair value of goodwill. The GAAP standards with respect to goodwill require that the Company compare the implied fair value of goodwill to the carrying amount of goodwill on the Company&#146;s balance sheet.&#160;&#160;If the carrying amount of the goodwill is greater than the implied fair value of that goodwill, an impairment loss must be recognized in an amount equal to that excess. The implied fair value of goodwill is determined in the same manner as goodwill recognized in a business combination. The estimated fair value of the Company is allocated to all of the Company&#146;s individual assets and liabilities, including any unrecognized identifiable intangible assets, as if the Company had been acquired in a business combination and the estimated fair value of the Company is the price paid to acquire it. The allocation process is performed only for purposes of determining the amount of goodwill impairment, as no assets or liabilities are written up or down, nor are any additional unrecognized identifiable intangible assets recorded as a part of this process. The results of the Company&#146;s step one test indicated that the reporting unit&#146;s fair value was less than its carrying value and therefore the Company performed a step two analysis.&#160;&#160;After the step two analysis was completed, the Company determined the implied fair value of goodwill was greater than the carrying value on the Company&#146;s balance sheet and no goodwill impairment existed; however, no assurance can be given that the Company&#146;s goodwill will not be written down in future periods.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">An interim impairment test was not deemed necessary as of March 31, 2012, due to there not being a significant change in the reporting unit&#146;s assets and liabilities, the amount that the fair value of the reporting unit exceeded the carrying value as of the most recent valuation, and because the Company determined that, based on an analysis of events that have occurred and circumstances that have changed since the most recent valuation date, the likelihood that a current fair value determination would be less than the current carrying amount of the reporting unit is remote.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><span></span></td>
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                <p>No authoritative reference available.</p>
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                <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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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EWPAC">
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      <tr>
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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_dei_DocumentType', window );">Document Type</a></td>
        <td class="text">10-K<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
        <td class="text">Mar. 31,
         2012<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
        <td class="text">false<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
        <td class="text">0001041368<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
        <td class="text">--03-31<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
        <td class="nump">22,471,890<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
        <td class="nump">$ 50,786,471<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
        <td class="text">Smaller Reporting Company<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
        <td class="text">Yes<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
        <td class="text">No<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
        <td class="text">No<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
        <td class="text">2012<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
        <td class="text">FY<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>If the value is true, then the document is an amendment to previously-filed/accepted document.</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>dei_AmendmentFlag</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:booleanItemType</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_dei_CurrentFiscalYearEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>End date of current fiscal year in the format --MM-DD.</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>dei_CurrentFiscalYearEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gMonthDayItemType</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_dei_DocumentFiscalPeriodFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
              </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>dei_DocumentFiscalPeriodFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:fiscalPeriodItemType</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_dei_DocumentFiscalYearFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
              </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>dei_DocumentFiscalYearFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</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_dei_DocumentPeriodEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</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>dei_DocumentPeriodEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</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_dei_DocumentType">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "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;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentType</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:submissionTypeItemType</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_dei_EntityCentralIndexKey">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCentralIndexKey</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:centralIndexKeyItemType</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_dei_EntityCommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</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>dei_EntityCommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</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_dei_EntityCurrentReportingStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <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>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCurrentReportingStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</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_dei_EntityFilerCategory">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <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, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. 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;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityFilerCategory</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:filerCategoryItemType</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_dei_EntityPublicFloat">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</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>dei_EntityPublicFloat</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</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_dei_EntityRegistrantName">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
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width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">744,455</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.71</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">%</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; 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margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Interest expense by deposit type was as follows (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="20%" colspan="7" style="text-align:left; width:20%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Year Ended March 31,</font></b></p></td><td width="2%" colspan="2" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2012</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" colspan="2" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2010</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Interest checking</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">281</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">239</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">331</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Money market</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,049</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,846</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,360</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Savings accounts</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">124</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">160</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">162</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Certificate of deposit</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,903</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,324</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,782</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,357</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,569</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ED4BG">
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          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
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      <tr>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 38,894<span></span></td>
        <td class="nump">$ 42,697<span></span></td>
        <td class="nump">$ 45,675<span></span></td>
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        <td class="nump">145<span></span></td>
        <td class="nump">164<span></span></td>
        <td class="nump">267<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_InterestIncomeSecuritiesTaxExempt', window );">Interest on investment securities-non taxable</a></td>
        <td class="nump">42<span></span></td>
        <td class="nump">55<span></span></td>
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      </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">5,865<span></span></td>
        <td class="nump">8,052<span></span></td>
        <td class="nump">11,376<span></span></td>
      </tr>
      <tr class="ro">
        <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">33,667<span></span></td>
        <td class="nump">35,162<span></span></td>
        <td class="nump">34,886<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_ProvisionForLoanLeaseAndOtherLosses', window );">Less provision for loan losses</a></td>
        <td class="nump">29,350<span></span></td>
        <td class="nump">5,075<span></span></td>
        <td class="nump">15,900<span></span></td>
      </tr>
      <tr class="ro">
        <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">4,317<span></span></td>
        <td class="nump">30,087<span></span></td>
        <td class="nump">18,986<span></span></td>
      </tr>
      <tr class="re">
        <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>
      </tr>
      <tr class="ro">
        <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 );">Fees and service charges</a></td>
        <td class="nump">3,996<span></span></td>
        <td class="nump">4,047<span></span></td>
        <td class="nump">4,513<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetManagementFees', window );">Asset management fees</a></td>
        <td class="nump">2,367<span></span></td>
        <td class="nump">2,079<span></span></td>
        <td class="nump">1,885<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSalesOfLoansNet', window );">Net gain on sale of loans held for sale</a></td>
        <td class="nump">160<span></span></td>
        <td class="nump">393<span></span></td>
        <td class="nump">887<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairmentOfInvestments', window );">Impairment on investment security</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,003)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Bank owned life insurance income</a></td>
        <td class="nump">601<span></span></td>
        <td class="nump">601<span></span></td>
        <td class="nump">603<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_OtherIncome', window );">Other</a></td>
        <td class="num">(297)<span></span></td>
        <td class="nump">769<span></span></td>
        <td class="nump">381<span></span></td>
      </tr>
      <tr class="ro">
        <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">6,827<span></span></td>
        <td class="nump">7,889<span></span></td>
        <td class="nump">7,266<span></span></td>
      </tr>
      <tr class="re">
        <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>
      </tr>
      <tr class="ro">
        <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="nump">15,889<span></span></td>
        <td class="nump">16,716<span></span></td>
        <td class="nump">15,326<span></span></td>
      </tr>
      <tr class="re">
        <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 and depreciation</a></td>
        <td class="nump">4,793<span></span></td>
        <td class="nump">4,677<span></span></td>
        <td class="nump">4,814<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InformationTechnologyAndDataProcessing', window );">Data processing</a></td>
        <td class="nump">1,421<span></span></td>
        <td class="nump">1,067<span></span></td>
        <td class="nump">957<span></span></td>
      </tr>
      <tr class="re">
        <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 core deposit intangible</a></td>
        <td class="nump">82<span></span></td>
        <td class="nump">96<span></span></td>
        <td class="nump">111<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketingAndAdvertisingExpense', window );">Advertising and marketing expense</a></td>
        <td class="nump">998<span></span></td>
        <td class="nump">749<span></span></td>
        <td class="nump">627<span></span></td>
      </tr>
      <tr class="re">
        <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 premium</a></td>
        <td class="nump">1,136<span></span></td>
        <td class="nump">1,640<span></span></td>
        <td class="nump">1,912<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ExciseAndSalesTaxes', window );">State and local taxes</a></td>
        <td class="nump">549<span></span></td>
        <td class="nump">638<span></span></td>
        <td class="nump">732<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommunicationsAndInformationTechnology', window );">Telecommunications</a></td>
        <td class="nump">434<span></span></td>
        <td class="nump">428<span></span></td>
        <td class="nump">440<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfessionalFees', window );">Professional fees</a></td>
        <td class="nump">1,254<span></span></td>
        <td class="nump">1,310<span></span></td>
        <td class="nump">1,317<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRevenueExpenseFromRealEstateOperations', window );">Real estate owned expenses</a></td>
        <td class="nump">5,097<span></span></td>
        <td class="nump">1,817<span></span></td>
        <td class="nump">6,421<span></span></td>
      </tr>
      <tr class="ro">
        <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 expense</a></td>
        <td class="nump">2,770<span></span></td>
        <td class="nump">2,358<span></span></td>
        <td class="nump">2,316<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_NoninterestExpense', window );">Total non-interest expense</a></td>
        <td class="nump">34,423<span></span></td>
        <td class="nump">31,496<span></span></td>
        <td class="nump">34,973<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income (loss) before income taxes</a></td>
        <td class="num">(23,279)<span></span></td>
        <td class="nump">6,480<span></span></td>
        <td class="num">(8,721)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CurrentIncomeTaxExpenseBenefit', window );">Provision (Benefit) for income taxes</a></td>
        <td class="nump">8,378<span></span></td>
        <td class="nump">2,165<span></span></td>
        <td class="num">(3,277)<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_NetIncomeLoss', window );">Net income (loss)</a></td>
        <td class="num">$ (31,657)<span></span></td>
        <td class="nump">$ 4,315<span></span></td>
        <td class="num">$ (5,444)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings (loss) per common share:</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_EarningsPerShareBasic', window );">Basic earnings</a></td>
        <td class="num">$ (1.42)<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
        <td class="num">$ (0.51)<span></span></td>
      </tr>
      <tr class="re">
        <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</a></td>
        <td class="num">$ (1.42)<span></span></td>
        <td class="nump">$ 0.24<span></span></td>
        <td class="num">$ (0.51)<span></span></td>
      </tr>
      <tr class="ro">
        <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>Weighted average number of shares outstanding:</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_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic</a></td>
        <td class="nump">22,317,933<span></span></td>
        <td class="nump">18,341,191<span></span></td>
        <td class="nump">10,720,525<span></span></td>
      </tr>
      <tr class="ro">
        <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</a></td>
        <td class="nump">22,317,933<span></span></td>
        <td class="nump">18,341,308<span></span></td>
        <td class="nump">10,720,525<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_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> -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 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>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 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7658586&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_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_AssetManagementFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Revenue recognized in the period for (1) performance (incentive) fees based on the investment results achieved for management of certain institutional accounts and hedge funds, (2) schedule-based fees earned for management of mutual funds and closed-end funds, based either on average daily net assets or on a combination of the average daily net assets and gross income, and (3) other investment management and advisory fees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 210.9-04.13(a),(d))<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 AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Paragraph 9, 51, 59<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_AssetManagementFees</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_BankOwnedLifeInsuranceIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 210.9-04.13)<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_BankOwnedLifeInsuranceIncome</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_CommunicationsAndInformationTechnology">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 in the period for communications and data processing 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommunicationsAndInformationTechnology</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_CurrentIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 of income taxes paid or payable (or refundable) for the period for all income tax obligations as determined by applying the provisions of relevant enacted tax laws to relevant amounts of 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 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 2: 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 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)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<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 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 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 45<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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CurrentIncomeTaxExpenseBenefit</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_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_EarningsPerShareAbstract</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>
                  </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> -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 2: 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 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 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 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 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<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 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<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 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 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>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 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16381557&amp;loc=d3e4984-109258<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 04<br><br> -Paragraph 18<br><br> -Article 7<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 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1252-109256<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 03<br><br> -Paragraph 20<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_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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 18<br><br> -Article 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 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 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>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 03<br><br> -Paragraph 20<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 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 6: 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=7655603&amp;loc=d3e1252-109256<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> -Paragraph 21<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_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_ExciseAndSalesTaxes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 excise and sales taxes included in sales and revenues, which are then deducted as a cost of sales. Includes excise taxes, which are applied to specific types of transactions or items (such as gasoline or alcohol); and sales, use and value added taxes, which are applied to a broad class of revenue-producing transactions involving a wide range of goods and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 06-3<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 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>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 1<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 605<br><br> -SubTopic 45<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6408196&amp;loc=d3e61097-111654<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ExciseAndSalesTaxes</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> -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_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> -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 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 210.9-04.13 (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_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_GainLossOnSalesOfLoansNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 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>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 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSalesOfLoansNet</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_ImpairmentOfInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 by which the fair value of an investment is less than the amortized cost basis or carrying amount of that investment at the balance sheet date and the decline in fair value is deemed to be other than temporary, before considering whether or not such amount is recognized in earnings or other comprehensive 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 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 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 35<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=16383099&amp;loc=d3e25351-111560<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 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 FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 16B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included 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 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 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-2/124-2<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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairmentOfInvestments</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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before 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> -Section 03<br><br> -Paragraph 10<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_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</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_InformationTechnologyAndDataProcessing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 expenses incurred in the period for information technology and data processing products and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 210.5-03.6)<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_InformationTechnologyAndDataProcessing</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 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>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 1, 2 , 3, 4, 5<br><br> -Article 9<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-BRD<br><br> -Paragraph 9, 51, 54<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_InterestAndDividendIncomeOperating</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_InterestAndDividendIncomeOperatingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_InterestAndDividendIncomeOperatingAbstract</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_InterestAndFeeIncomeLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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> -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)<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> -Section 04<br><br> -Paragraph 1<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_InterestAndFeeIncomeLoansAndLeases</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_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 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 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> -Section 563c.102<br><br> -Paragraph 9<br><br> -Chapter V<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 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 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 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 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
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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>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_InterestExpenseAbstract</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>
                    <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_InterestExpenseBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Chapter V<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 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 210.9-04.7,8)<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_InterestExpenseBorrowings</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>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
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                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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> -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 210.9-04.6)<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> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<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> -Section 563c.102<br><br> -Paragraph 6<br><br> -Chapter V<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_InterestExpenseDeposits</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>Amount of interest 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.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 210.9-04.12)<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> -Section 04<br><br> -Paragraph 12<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_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>
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                  <tr>
                    <td><strong> Balance Type:</strong></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_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 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>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 10<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_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_InterestIncomeSecuritiesMortgageBacked">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 interest income, including any amortization and accretion (as applicable) of discounts and premiums, derived from securities backed by a pool of mortgages or trust deeds. Mortgage-backed securities might represent mortgage pass-through securities, collateralized mortgage obligations (CMO), real estate mortgage investment conduits (REMICs), CMO and REMIC residuals, and stripped mortgage-backed 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 65<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 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>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 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> -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_InterestIncomeSecuritiesMortgageBacked</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_InterestIncomeSecuritiesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <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 investment securities which are subject to 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 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>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 2<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_InterestIncomeSecuritiesTaxable</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>
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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_InterestIncomeSecuritiesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <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 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 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>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 2<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_InterestIncomeSecuritiesTaxExempt</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>
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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_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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> -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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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>
                  </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_MarketingAndAdvertisingExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 expense recognized in the period for promotion, public relations, and brand or product advertising.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 210.5-03.4)<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_MarketingAndAdvertisingExpense</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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 19<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 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 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 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 4: 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 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 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<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 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 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> -Paragraph 20<br><br> -Article 9<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 Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 9: 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 10: 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 11: 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 12: 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 13: 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=20435746&amp;loc=d3e565-108580<br><br><br><br>Reference 14: 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 15: 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 16: 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></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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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                    <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_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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 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>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> -Section 563c.102<br><br> -Paragraph 14<br><br> -Chapter V<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 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 14<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_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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                  <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_NoninterestExpenseAbstract">
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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 );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</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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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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 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>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 OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Chapter V<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_NoninterestIncome</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_NoninterestIncomeAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.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_NoninterestIncomeAbstract</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><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>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></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 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> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<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 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<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 16<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 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<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 13<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 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(b))<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 13<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 8: 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> -Paragraph 62<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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_OccupancyNet</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>
                  </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>
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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>
        </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 sum of all other revenue and income recognized by the entity in the period not otherwise specified 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 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.4)<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> -Section 04<br><br> -Paragraph 4<br><br> -Article 7<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherIncome</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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                    <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>
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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>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes all other interest income, net of discount accretion and premium amortization, and dividend income. It may include dividend income from equity securities that do not have readily determinable fair values that are reportable in Other Assets, and interest income on interest-only strips receivable (not in the form of a security) that are included in 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 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.4)<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> -Section 04<br><br> -Paragraph 4<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>
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            <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> -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>
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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 banks, amount of other revenue or expense derived from real estate investments other than Income or Loss from unconsolidated investments, variable interest entities, and interest income from mortgage loans.</p>
              </div><a href="javascript:void(0);" 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> -Section 563c.102<br><br> -Paragraph 11<br><br> -Chapter V<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;">
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                    <td><nobr>us-gaap_OtherRevenueExpenseFromRealEstateOperations</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>A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( 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 946<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.6-07.2(a),(b),(c),(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488393&amp;loc=d3e606610-122999<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 946<br><br> -SubTopic 225<br><br> -Section 45<br><br> -Paragraph 3<br><br> -Subparagraph (k)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6488370&amp;loc=d3e13550-115849<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 periodic provision charged to earnings, based on an assessment of uncollectibility from the counterparty on account of loan, lease or other credit losses, to reduce these accounts to the amount that approximates their 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 SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 11<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 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -Subparagraph (c)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7512638&amp;loc=SL6953423-111524<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 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 Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -Chapter 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 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 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 210.9-04.11)<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_ProvisionForLoanLeaseAndOtherLosses</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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            <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 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 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 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 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 4: 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 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 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1505-109256<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>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 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 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7655603&amp;loc=d3e1448-109256<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 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 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 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 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 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 7: 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></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
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          <div style="width: 200px;"><strong>Mortgage-Backed Securities<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Mar. 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_fil_MortgageBackedSecurities', window );">Mortgage-Backed Securities</a></td>
        <td class="text"><!--egx--><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:26.8pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">4.&#160;&#160;</font></b></p></td><td width="1535" style="text-align:left; width:1151.25pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">MORTGAGE-BACKED SECURITIES</font></b></p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">Mortgage-backed securities held to maturity consisted of the following (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2012</font></u></b></p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">&#160; <b>Amortized</b> </p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Cost</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b> </p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gains</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b> </p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Estimated</font></b> </p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b> </p><p style="text-align:center; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">73</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">FNMA mortgage-backed securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">102</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">104</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">171</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">177</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2011</font></u></b></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">82</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">FNMA mortgage-backed securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">112</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5</p></td><td width="2%" style="text-align:left; background-color:#cceeff; 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padding:0; margin:0" align="right">117</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">190</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">199</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Mortgage-backed securities held to maturity with an amortized cost of $69,000 and $76,000 and a fair value of $71,000 and $80,000 at March 31, 2012 and 2011, respectively, were pledged as collateral for governmental public funds. 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width:9%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Amortized</font></b> </p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Cost</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Estimated</font></b> </p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair Value</font></b></p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; background-color:#cceeff; width:42%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Due in one year or less</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; width:42%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Due after one year through five years</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; background-color:#cceeff; width:42%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Due after five years through ten years</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; width:42%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Due after ten years</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">168</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">174</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; background-color:#cceeff; width:42%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">171</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">177</p></td></tr></table><p style="text-align:left; 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margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Estimated</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Real estate mortgage investment conduits</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">319</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">329</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">FHLMC mortgage-backed securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">613</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">23</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">636</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">FNMA mortgage-backed securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9</p></td><td width="1%" style="text-align:left; background-color:#cceeff; 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width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">433</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">FHLMC mortgage-backed securities</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,270</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,304</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; width:27%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">FNMA mortgage-backed securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">38</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">40</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="27%" style="text-align:left; background-color:#cceeff; width:27%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,729</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">48</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,777</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">The contractual maturities of mortgage-backed securities available for sale are as follows (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="42%" style="text-align:left; width:42%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2012</font></u></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Amortized</font></b></p><p style="text-align:center; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; width:42%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Due after one year through five years</p></td><td width="1%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; width:42%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Due after ten years</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; 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padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">940</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">974</p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
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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>Mar. 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_fil_InvestmentSecuritiesAbstract', window );"><strong>Investment Securities:</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_fil_InvestmentSecurities', window );">Investment Securities</a></td>
        <td class="text"><!--egx--><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="36" style="text-align:left; width:26.8pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">3.&#160;&#160;</font></b></p></td><td width="1535" style="text-align:left; width:1151.25pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">INVESTMENT SECURITIES</font></b></p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">The amortized cost and approximate fair value of investment securities held to maturity consisted of the following (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Amortized </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Cost</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gains</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Estimated </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair Value</font></b></p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2012</font></u></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Municipal bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">493</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">49</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">542</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2011</font></u></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Municipal bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">506</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">50</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">556</p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">The contractual maturities of investment securities held to maturity are as follows (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="40%" style="text-align:left; width:40%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2012</font></u></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Amortized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Cost</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Estimated</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="40%" style="text-align:left; background-color:#cceeff; width:40%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Due in one year or less</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="40%" style="text-align:left; width:40%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Due after one year through five years</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="40%" style="text-align:left; background-color:#cceeff; width:40%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Due after five years through ten years</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">493</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">542</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="40%" style="text-align:left; width:40%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Due after ten years</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="40%" style="text-align:left; background-color:#cceeff; width:40%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">493</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">542</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">The amortized cost and approximate fair value of investment securities available for sale consisted of the following (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Amortized </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Cost</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gains</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Gross </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Estimated </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair Value</font></b></p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2012</font></u></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Trust preferred</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,974</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,808</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,166</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Agency securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,999</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Municipal bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">149</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">149</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,123</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,809</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,314</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><u><font style="text-decoration:underline; font-weight:700">March 31, 2011</font></u></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Trust preferred</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,974</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,058</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">916</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Agency securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(136</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,864</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Municipal bonds</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">540</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">540</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,514</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,194</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,320</p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">The fair value of temporarily impaired securities, the amount of unrealized losses and the length of time these unrealized losses existed as of March 31, 2012 are as follows (in thousands):</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="21%" colspan="5" style="text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Less than 12 months</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="21%" colspan="5" style="text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;&#160;12 months or longer</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="23%" colspan="5" style="text-align:left; width:23%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; text-indent:-27pt; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;&#160;Total</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; background-color:#cceeff; width:33%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Trust preferred</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">1,166</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; text-indent:-9pt; padding:0; margin:0" align="right">(1,808</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,166</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">(1</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; text-indent:-9pt; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,999</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; background-color:#cceeff; width:33%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,999</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">(1</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">1,166</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; text-indent:-9pt; padding:0; margin:0" align="right">(1,808</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,165</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,809</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">The fair value of temporarily impaired securities, the amount of unrealized losses and the length of time these unrealized losses existed as of March 31, 2011 are as follows (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="95%" style="text-align:left; width:95%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="21%" colspan="5" style="text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Less than 12 months</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="21%" colspan="5" style="text-align:left; width:21%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;&#160;12 months or longer</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="23%" colspan="5" style="text-align:left; width:23%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; text-indent:-27pt; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;&#160;Total</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Fair</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Value</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Unrealized</font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Losses</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; background-color:#cceeff; width:33%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Trust preferred</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">916</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; text-indent:-9pt; padding:0; margin:0" align="right">(2,058</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">916</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,058</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; width:33%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Agency securities</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,864</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">(136</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; text-indent:-9pt; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,864</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(136</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="33%" style="text-align:left; background-color:#cceeff; width:33%; padding:0" valign="top"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,864</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">(136</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">916</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; text-indent:-9pt; padding:0; margin:0" align="right">(2,058</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,780</p></td><td width="2%" style="text-align:left; background-color:#cceeff; 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width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">1,315</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="40%" style="text-align:left; background-color:#cceeff; width:40%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">8,123</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:justify; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
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          <div style="width: 200px;"><strong>Shareholders' Equity And Regulatory Capital Requirements<br></strong></div>
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</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Amount</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Ratio</font></b></p></td><td width="3%" style="text-align:left; width:3%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">March 31, 2012</font></b></p></td><td width="1%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">(To Risk-Weighted Assets)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; 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width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="bottom"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">(To Risk-Weighted Assets)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;&#160;&#160; (To Adjusted Tangible Assets)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; 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background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9.0</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;(1)</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Tangible Capital:</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; 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padding:0; margin:0" align="right">72,354</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8.76</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">12,388</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1.5</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">N/A</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; background-color:#cceeff; width:26%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Total Capital:</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; 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margin:0">%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">55,312</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8.0</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">%</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">69,140</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">12.0</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">% (1)</p></td></tr><tr style="text-align:left"><td width="26%" style="text-align:left; width:26%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Tier 1 Capital:</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="26%" 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="ID0ELE">
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          <div style="width: 200px;"><strong>Junior Subordinated Debentures<br></strong></div>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELE">
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          <div style="width: 200px;"><strong>Premises And Equipment<br></strong></div>
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background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,715</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; width:42%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">Construction in progress</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,544</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">690</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; background-color:#cceeff; width:42%; padding:0" valign="top"><p style="text-align:left; text-indent:0.5in; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">31,918</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">29,984</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; 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padding:0; margin:0" align="right">(13,884</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="42%" style="text-align:left; background-color:#cceeff; width:42%; padding:0" valign="bottom"><p style="text-align:left; text-indent:27pt; padding:0; margin:0">Premises and equipment, net</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">17,068</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">16,100</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Depreciation expense was $1.5 million, $1.5 million and $1.7 million for the years ended March 31, 2012, 2011 and 2010, respectively. 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The Company maintains a substantial continuing involvement in the locations through various non-cancellable operating leases that contain certain renewal options. The resulting gain on sale of $2.1 million was deferred and is being amortized over the life of the respective leases. 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width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Operating Lease</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Capital Lease</font></b></p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">251</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">2014</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,662</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">251</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">2015</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,580</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">251</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">2016</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,595</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">251</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">2017</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,569</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">251</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">Thereafter</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,790</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,180</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="top"><p style="text-align:justify; padding:0; margin:0">Total minimum lease payments</p></td><td width="1%" 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="ID0ELE">
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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="11%" style="text-align:left; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="29%" style="text-align:left; background-color:#cceeff; width:29%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="11%" style="text-align:left; background-color:#cceeff; width:11%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; 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padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="35%" style="text-align:left; width:35%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2012</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; 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The allowance is provided based upon the Company&#146;s ongoing quarterly assessment of the pertinent factors underlying the quality of the loan portfolio. These factors include changes in the size and composition of the loan portfolio, delinquency levels, actual loan loss experience, current economic conditions and detailed analysis of individual loans for which full collectability may not be assured. The detailed analysis includes techniques to estimate the fair value of loan collateral and the existence of potential alternative sources of repayment. The allowance consists of specific, general and unallocated components. The specific component relates to loans that are considered impaired. For loans that are classified as impaired, an allowance is established when the discounted cash flows, or collateral value or observable market price, of the impaired loan is lower than the carrying value of that loan. The general component covers non-impaired loans based on the Company&#146;s risk rating system and historical loss experience adjusted for qualitative factors. An unallocated component is maintained to cover uncertainties that the Company believes have resulted in losses that have not yet been allocated to specific elements of the general component. Such factors include uncertainties in economic conditions and in identifying triggering events that directly correlate to subsequent loss rates, changes in appraised value of underlying collateral, risk factors that have not yet manifested themselves in loss allocation factors and historical loss experience data that may not precisely correspond to the current portfolio or economic conditions. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio. The appropriate allowance level is estimated based upon factors and trends identified by the Company at the time the consolidated financial statements are prepared.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Commercial business, commercial real estate, construction and land acquisition and development loans are considered to have a higher degree of credit risk than one-to-four family residential loans, and tend to be more vulnerable to adverse conditions in the real estate market and deteriorating economic conditions. While the Company believes the estimates and assumptions used in its determination of the allowance are reasonable, there can be no assurance that such estimates and assumptions will not be proven incorrect in the future, that the actual amount of future provisions will not exceed the amount of past provisions, or that any increased provisions that may be required will not adversely impact our financial condition and results of operations. In addition, bank regulators periodically review the Company&#146;s allowance and may require the Company to increase its provision for loan losses or recognize additional loan charge-offs. An increase in the Company&#146;s allowance for loan losses or loan charge-offs as required by these regulatory authorities may have a material adverse effect on its financial condition and results of operations.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">Management&#146;s evaluation of the allowance for loan losses is based on ongoing, quarterly assessments of the known and inherent risks in the loan portfolio. Loss factors are based on the Company&#146;s historical loss experience with additional consideration and adjustments made for changes in economic conditions, changes in the amount and composition of the loan portfolio, delinquency rates, changes in collateral values, seasoning of the loan portfolio, duration of current business cycle, a detailed analysis of impaired loans and other factors as deemed appropriate. These factors are evaluated on a quarterly basis. Loss rates used by the Company are affected as changes in these factors increase or decrease from quarter to quarter. The Company also considers bank regulatory examination results and findings of internal credit examiners in its quarterly evaluation of the allowance for loan losses. Management&#146;s recent analysis of the allowance has placed greater emphasis on the Company&#146;s construction and land development loan portfolios and the effect of various factors such as geographic and loan type concentrations. 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width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Land</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Multi-Family</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Real Estate Construction</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Consumer</font></b></p></td><td width="1%" style="text-align:left; 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width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Beginning balance</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; 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padding:0; margin:0" align="right">2,003</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,172</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; 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padding:0; margin:0" align="right">2,068</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">14,968</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision for loan losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,638</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,681</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:right; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,670</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(147</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">29,350</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Charge-offs</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,801</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,750</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(24,547</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Recoveries</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">29</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">103</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">15</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">150</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Ending balance</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,688</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,599</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,906</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,121</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">412</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,274</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,921</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">19,921</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">March 31, 2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" colspan="2" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Beginning balance</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,181</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,592</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,013</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">423</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,137</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" colspan="2" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,574</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,722</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">21,642</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision for loan losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,005</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">414</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,101</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,749</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">455</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">346</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,075</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Charge-offs</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,371</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(263</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(4,141</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(4,329</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(703</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(11,807</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Recoveries</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">30</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">13</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">58</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Ending balance</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,822</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,744</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,003</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,172</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">820</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" colspan="2" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,339</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,068</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">14,968</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="141" style="text-align:left; width:141px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="44" style="text-align:left; width:44px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="70" style="text-align:left; width:70px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="53" style="text-align:left; width:53px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="44" style="text-align:left; width:44px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">March 31, 2010</font></b></p></td><td width="1%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" colspan="2" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Beginning balance</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,668</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,529</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,594</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">352</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,592</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" colspan="2" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,209</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,030</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">16,974</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Provision for loan losses</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,973</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,099</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,219</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">71</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,206</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,640</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(308</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">15,900</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Charge-offs</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(2,466</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(36</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(3,800</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(3,737</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,282</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; 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padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">76</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="5%" style="text-align:left; width:5%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">89</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; background-color:#cceeff; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Ending balance</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,181</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,592</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,013</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">423</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,137</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" colspan="2" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,574</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,722</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">21,642</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="141" style="text-align:left; width:141px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="44" style="text-align:left; width:44px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="70" style="text-align:left; width:70px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="53" style="text-align:left; width:53px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="62" style="text-align:left; width:62px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td><td width="44" style="text-align:left; width:44px; padding:0"></td><td width="9" style="text-align:left; width:9px; padding:0"></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">The following tables present an analysis of loans receivable and allowance for loan losses, which were evaluated individually and collectively for impairment at the dates indicated (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="30%" colspan="8" style="text-align:left; width:30%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Allowance for loan losses</font></b></p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="30%" colspan="8" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Total</font></b></p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Individually </font></b></p><p style="text-align:center; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Total</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">73</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,615</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,688</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,818</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">79,420</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">87,238</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial real estate</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">686</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,913</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,599</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">22,824</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">330,256</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">353,080</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Land</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">624</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,282</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,906</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">14,226</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">24,662</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">38,888</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Multi-family</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,117</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,121</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,265</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">34,530</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">42,795</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Real estate construction</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">394</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">412</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,613</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,178</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">25,791</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">197</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,077</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3,274</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,967</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">132,050</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">137,017</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Unallocated</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,921</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,921</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,602</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18,319</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">19,921</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">65,713</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">619,096</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">684,809</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="20%" style="text-align:left; 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margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; 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padding:0; margin:0" align="right">1,339</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">112,726</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">112,726</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Unallocated</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,068</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,068</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">14,968</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="9%" style="text-align:left; width:9%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">27,259</p></td><td width="1%" style="text-align:left; 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margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; width:37%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2012</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">185</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">296</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; 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border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(19</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(111</p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="37%" style="text-align:left; background-color:#cceeff; width:37%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Ending balance</p></td><td width="2%" style="text-align:left; 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</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,756</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,756</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; width:16%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,904</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,904</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">42,009</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">42,009</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td></tr><tr style="text-align:left"><td width="16%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; 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width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3.88</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">35,077</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">3.66</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,909</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Land</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; 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padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5.00</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,818</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Multi-Family</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4.06</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,679</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Real estate Construction</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4.51</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; background-color:#cceeff; width:9%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,756</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4.96</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,106</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Consumer (1)</p></td><td width="1%" style="text-align:left; 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margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7.00</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">957</p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; background-color:#cceeff; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; 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background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="20%" style="text-align:left; width:20%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="64%" colspan="13" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; 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padding:0; margin:0" align="right">1,602</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="top"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">53,379</p></td></tr><tr style="text-align:left"><td width="14%" style="text-align:left; width:14%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">March 31, 2011</font></b></p></td><td width="1%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="14%" style="text-align:left; width:14%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">&#160;</p></td></tr><tr style="text-align:left"><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Commercial business</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,226</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,976</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,695</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,094</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; 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</p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">4,206</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,474</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">10,950</p></td></tr><tr style="text-align:left"><td width="14%" style="text-align:left; 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</p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">462</p></td></tr><tr style="text-align:left"><td width="14%" style="text-align:left; background-color:#cceeff; width:14%; padding:0" valign="top"><p style="text-align:left; text-indent:-9pt; padding:0; margin:0">Total</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p 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="ID0ELE">
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</p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Weighted </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Average </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Exercise </font></b></p><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Price</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Number of </font></b></p><p style="text-align:center; 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width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">21,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">2.39</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">122,000&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">3.82</p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-&#160;&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="21%" style="text-align:left; width:21%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Forfeited</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(28,200</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">11.17</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(18,000</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10.26</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">(8,000)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">10.82</p></td><td width="1%" style="text-align:left; width:1%; 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background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="top"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; 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width:12%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="4%" style="text-align:left; width:4%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" style="text-align:left; width:9%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="12%" style="text-align:left; background-color:#cceeff; width:12%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$1.97 - $6.17</p></td><td width="4%" style="text-align:left; background-color:#cceeff; 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padding:0; margin:0">&#160; </p></td><td width="4%" style="text-align:left; width:4%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="39%" style="text-align:left; background-color:#cceeff; width:39%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Weighted average contractual term of options (years)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; 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padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="39%" style="text-align:left; background-color:#cceeff; width:39%; padding:0" valign="bottom"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Number</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">433,400</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="4%" style="text-align:left; background-color:#cceeff; 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background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="4%" style="text-align:left; background-color:#cceeff; width:4%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="64%" colspan="8" style="text-align:left; width:64%; padding:0" valign="bottom"><p style="text-align:left; text-indent:-0.25in; padding:0; margin:0">&#160;(1)&#160; The aggregate intrinsic value of a stock options in the table above represents the total pre-tax intrinsic value (the amount by which the current market value of the underlying stock exceeds the exercise price) that would have been received by the option holders had all option holders exercised.&#160;&#160;This amount changes based on changes in the market value of the Company&#146;s stock.</p></td></tr></table><p style="text-align:left; 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          <div style="width: 200px;"><strong>Fair Value Of Financial Instruments<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Mar. 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_fil_FairValueOfFinancialInstrumentsAbstract', window );"><strong>Fair Value Of Financial Instruments:</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_fil_FairValueOfFinancialInstruments', window );">Fair Value Of Financial Instruments</a></td>
        <td class="text"><!--egx--><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="35" style="text-align:left; width:25.95pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">18.&#160;&#160;</font></b></p></td><td width="1536" style="text-align:left; width:16in; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">FAIR VALUE OF FINANCIAL INSTRUMENTS</font></b></p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">The following disclosure of the estimated fair value of financial instruments is made in accordance with applicable accounting standards. The Company, using available market information and appropriate valuation methodologies, has determined the estimated fair value amounts. However, considerable judgment is necessary to interpret market data in the development of the estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in the future. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.</p><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">The estimated fair value of financial instruments is as follows (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" colspan="2" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">Carry Value</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">46,393</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Certificates of deposit held for investment</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">41,473</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">41,767</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">41,767</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Investment securities held to maturity</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">493</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">542</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">542</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,148</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,166</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,314</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Mortgage-backed securities held to maturity</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; text-indent:9pt; padding:0; margin:0" align="right">171</p></td><td width="1%" style="text-align:left; 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padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">974</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">974</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Loans receivable, net</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">664,888</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">596,552</p></td><td width="1%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">480</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,350</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,350</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Mortgage servicing rights</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">278</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">767</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">767</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Liabilities:</font></b></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Demand &#150; savings deposits</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">514,446</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">514,446</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">514,446</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Time deposits</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Cash</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; 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width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">199</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Mortgage-backed securities available for sale</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,777</p></td><td width="1%" style="text-align:left; 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background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,777</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">575,027</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">575,027</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Loans held for sale</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">173</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">173</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">173</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Federal Home Loan Bank stock</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,350</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,350</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,350</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">Mortgage servicing rights</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">396</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">970</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">970</p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; background-color:#cceeff; width:28%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Liabilities:</font></b></p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" style="text-align:left; background-color:#cceeff; width:8%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="28%" style="text-align:left; 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width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">453,380</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="8%" style="text-align:left; width:8%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">$</p></td><td width="10%" 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="ID0EYLAC">
      <tr>
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          <div style="width: 200px;"><strong>RIVERVIEW BANCORP, INC. AND SUBSIDIARY CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2011</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>COMPREHENSIVE INCOME (LOSS):</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net Income (Loss)</a></td>
        <td class="num">$ (31,657)<span></span></td>
        <td class="nump">$ 4,315<span></span></td>
        <td class="num">$ (5,444)<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_TradingSecuritiesUnrealizedHoldingGainLoss', window );">Unrealized holding gain (loss) on securities, net</a></td>
        <td class="nump">246<span></span></td>
        <td class="num">(215)<span></span></td>
        <td class="num">(132)<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_OtherComprehensiveIncomeLossReclassificationAdjustmentForWritedownOfSecuritiesIncludedInNetIncomeNetOfTax', window );">Reclassification adjustment for loss included in net loss, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">662<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_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest', window );">Noncontrolling interest</a></td>
        <td class="nump">79<span></span></td>
        <td class="nump">45<span></span></td>
        <td class="nump">56<span></span></td>
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      <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 );">Total comprehensive income (loss)</a></td>
        <td class="num">$ (31,332)<span></span></td>
        <td class="nump">$ 4,145<span></span></td>
        <td class="num">$ (4,858)<span></span></td>
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    <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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        <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> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<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 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 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 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 5: 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=16317811<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 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=20435746&amp;loc=d3e557-108580<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 A5<br><br> -Appendix A<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 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 noncontrolling interests. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, 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 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4613674-111683<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 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=7656940&amp;loc=SL4569643-111683<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 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 4: 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=18733213&amp;loc=SL4591552-111686<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 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 6: 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></p>
              </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_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest</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 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;">
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              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>Net of tax amount of the income statement impact of the reclassification adjustment for unrealized (losses) realized upon the write-down of available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The net change in the difference between the fair value and the carrying value, or in the comparative fair values, of trading securities held at each balance sheet date, that was included in earnings for the period. Trading securities are bought and held principally for the purpose of selling them in the near term (thus held for only a short period of time) and the change in net unrealized holding gain (loss) is included in earnings for the period.</p>
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        <td class="text"><!--egx--><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="100%" style="text-align:left; width:100%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="35" style="text-align:left; width:25.95pt; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">12.&#160;&#160;</font></b></p></td><td width="1536" style="text-align:left; width:16in; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">INCOME TAXES</font></b></p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">Income tax provision (benefit) for the years ended March 31 consisted of the following (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2012</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" colspan="2" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2010</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Current</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(158</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">324</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">18</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Deferred</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,536</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1,841</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="6%" style="text-align:left; width:6%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(3,295</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="19%" style="text-align:left; background-color:#cceeff; width:19%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Total</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">8,378</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,165</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="6%" style="text-align:left; background-color:#cceeff; width:6%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(3,277</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr></table><p style="text-align:justify; padding:0; margin:0">&#160;</p><p style="text-align:justify; padding:0; margin:0">The tax effect of temporary differences that give rise to significant portions of deferred tax assets and deferred tax liabilities at March 31, 2012 and 2011 are as follows (in thousands):</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="9%" colspan="2" style="text-align:left; width:9%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2012</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="8%" colspan="2" style="text-align:left; width:8%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">2011</font></b></p></td><td width="1%" style="text-align:left; width:1%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Deferred tax assets:</font></b></p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Deferred compensation</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">512</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">469</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Loan loss reserve</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">7,149</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">5,373</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Accrued expenses</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">245</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">265</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Accumulated depreciation</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">568</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">518</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Deferred gain on sale</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">402</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">460</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Tax credit carryforwards</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">6,111</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Net unrealized loss on securities available for sale</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">603</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">730</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Impairment on investment security</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">233</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">233</p></td><td width="1%" style="text-align:left; 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margin:0" align="right">2,833</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Non-compete</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">106</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">119</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Other</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">367</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">205</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Valuation allowance for deferred tax assets</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(16,830</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">-</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total deferred tax asset</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">2,280</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">11,205</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0"><b><font style="font-weight:700">Deferred tax liabilities:</font></b></p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">FHLB stock dividend</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,063</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,063</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Purchase accounting</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(49</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(79</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Prepaid expense</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(178</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(167</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:9pt; padding:0; margin:0">Loan fees/costs</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(387</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(449</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; width:34%; padding:0" valign="top"><p style="text-align:left; text-indent:0.25in; padding:0; margin:0">Total deferred tax liability</p></td><td width="2%" style="text-align:left; width:2%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,677</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="1%" style="text-align:left; width:1%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="7%" style="text-align:left; width:7%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(1,758</p></td><td width="1%" style="text-align:left; width:1%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">)</p></td></tr><tr style="text-align:left"><td width="34%" style="text-align:left; background-color:#cceeff; width:34%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;&#160;&#160; Deferred tax asset, net</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">603</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:left; padding:0; margin:0">$</p></td><td width="7%" style="text-align:left; background-color:#cceeff; width:7%; padding:0; border-bottom:double 2.25pt black" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">9,447</p></td><td width="1%" style="text-align:left; background-color:#cceeff; width:1%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr></table><p style="text-align:left; padding:0; margin:0">&#160;</p><p style="text-align:left; padding:0; margin:0">A reconciliation of the Company&#146;s effective income tax rate with the federal statutory tax rate for the years ended March 31 is as follows:</p><p style="text-align:left; padding:0; margin:0">&#160;</p><table width="90%" style="text-align:left; width:90%; margin:auto" cellpadding="0" cellspacing="0"><tr style="text-align:left"><td width="50%" style="text-align:left; width:50%; padding:0 0 1.65pt 0" valign="top"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="3%" style="text-align:left; width:3%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center">&#160;<b>2012</b></p></td><td width="5%" style="text-align:left; width:5%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;</font></b></p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;2011</font></b></p></td><td width="5%" style="text-align:left; width:5%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;</font></b></p></td><td width="10%" style="text-align:left; width:10%; padding:0; border-bottom:solid 1.5pt black" valign="bottom"><p style="text-align:center; padding:0; margin:0" align="center"><b><font style="font-weight:700">&#160;2010</font></b></p></td><td width="2%" style="text-align:left; width:2%; padding:0 0 1.65pt 0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160;</p></td></tr><tr style="text-align:left"><td width="50%" style="text-align:left; background-color:#cceeff; width:50%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">Statutory federal income tax rate</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">34.0</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">34.0</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">%</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">34.0</p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">%</p></td></tr><tr style="text-align:left"><td width="50%" style="text-align:left; width:50%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">State and local income tax rate</p></td><td width="3%" style="text-align:left; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1.5</p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1.5</p></td><td width="5%" style="text-align:left; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">1.5</p></td><td width="2%" style="text-align:left; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td></tr><tr style="text-align:left"><td width="50%" style="text-align:left; background-color:#cceeff; width:50%; padding:0" valign="top"><p style="text-align:left; padding:0; margin:0">ESOP market value adjustment</p></td><td width="3%" style="text-align:left; background-color:#cceeff; width:3%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">0.1</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="2%" style="text-align:left; background-color:#cceeff; width:2%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">&#160; </p></td><td width="10%" style="text-align:left; background-color:#cceeff; width:10%; padding:0" valign="bottom"><p style="text-align:right; padding:0; margin:0" align="right">(0.2</p></td><td width="5%" style="text-align:left; background-color:#cceeff; width:5%; padding:0" valign="bottom"><p style="text-align:left; padding:0; margin:0">)</p></td><td width="2%" style="text-align:left; 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