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Loans, Allowance For Loan Losses And OREO | 9 Months Ended
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Sep. 30, 2012
Loans, Allowance For Loan Losses And OREO [Abstract] |
Loans, Allowance For Loan Losses And OREO | Note 9 – Loans, allowance for loan losses and OREO Management has an established methodology used to determine the adequacy of the allowance for loan losses that assesses the risks and losses inherent in the loan portfolio. For purposes of determining the allowance for loan losses, the Bank has segmented certain loans in the portfolio by product type. Within these segments, the Bank has sub-segmented its portfolio by classes within the segments, based on the associated risks within these classes. The classifications set forth below do not correspond directly to the classifications set forth in the call report (Form FFIEC 041). Management has determined that the classifications set forth below are more appropriate for use in identifying and managing risk in the loan portfolio.
Loan Segments: | Loan Classes:
Commercial | Commercial and industrial loans
Commercial real estate | Commercial mortgages – owner occupied
| Commercial mortgages – non-owner occupied
| Commercial construction
Consumer | Consumer unsecured
| Consumer secured
Residential | Residential mortgages
| Residential consumer construction
A summary of loans, net is as follows (dollars in thousands):
| As of:
| Sept 30, |  | December 31,
| 2012 |  | 2011
Commercial | $ 56,191 |  | $ 59,623
Commercial real estate | 152,398 |  | 150,622
Consumer | 71,063 |  | 72,488
Residential | 44,753 |  | 41,633
Total loans | 324,405 |  | 324,366
Less allowance for loan losses | 5,693 |  | 5,612
Net loans | $ 318,712 |  | $ 318,754
The Bank’s internal risk rating system is in place to grade commercial and commercial real estate loans. Category ratings are reviewed periodically by lenders and the credit review area of the Bank based on the borrower’s individual situation. Additionally, internal and external monitoring and review of credits are conducted on an annual basis. Below is a summary and definition of the Bank’s risk rating categories:
RATING 1 | Excellent
RATING 2 | Above Average
RATING 3 | Satisfactory
RATING 4 | Acceptable / Low Satisfactory
RATING 5 | Monitor
RATING 6 | Special Mention
RATING 7 | Substandard
RATING 8 | Doubtful
RATING 9 | Loss
We segregate loans into the above categories based on the following criteria and we review the characteristics of each rating at least annually, generally during the first quarter. The characteristics of these ratings are as follows:
· | “Pass.” These are loans having risk ratings of 1 through 4. Pass loans are to persons or business entities with an acceptable financial condition, appropriate collateral margins, appropriate cash flow to service the existing loan, and an appropriate leverage ratio. The borrower has paid all obligations as agreed and it is expected that this type of payment history will continue. When necessary, acceptable personal guarantors support the loan.
· | “Monitor.” These are loans having a risk rating of 5. Monitor loans have currently acceptable risk but may have the potential for a specific defined weakness in the borrower’s operations and the borrower’s ability to generate positive cash flow on a sustained basis. The borrower’s recent payment history may currently or in the future be characterized by late payments. The Bank’s risk exposure is mitigated by collateral supporting the loan. The collateral is considered to be well-margined, well maintained, accessible and readily marketable.
· | “Special Mention.” These are loans having a risk rating of 6. Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the bank’s credit position at some future date. Special Mention loans are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. These loans do warrant more than routine monitoring due to a weakness caused by adverse events.
· | “Substandard.” These are loans having a risk rating of 7. Substandard loans are considered to have specific and well-defined weaknesses that jeopardize the viability of the Bank’s credit extension. The payment history for the loan has been inconsistent and the expected or projected primary repayment source may be inadequate to service the loan. The estimated net liquidation value of the collateral pledged and/or ability of the personal guarantor(s) to pay the loan may not adequately protect the Bank. There is a distinct possibility that the Bank will sustain some loss if the deficiencies associated with the loan are not corrected in the near term. A substandard loan would not automatically meet our definition of impaired unless the loan is significantly past due and the borrower’s performance and financial condition provides evidence that it is probable that the Bank will be unable to collect all amounts due.
· | “Doubtful.” These are loans having a risk rating of 8. Doubtful rated loans have all the weaknesses inherent in a loan that is classified substandard but with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high.
· | “Loss.” These are loans having a risk rating of 9. Loss rated loans are not considered collectible under normal circumstances and there is no realistic expectation for any future payment on the loan. Loss rated loans are fully charged off.
Financing Receivables on Non-Accrual Status (dollars in thousands)
| As of
| September 30, 2012 | December 31, 2011
Commercial | $ 1,985 | $ 3,570
Commercial Real Estate: |  |
Commercial Mortgages-Owner Occupied | 582 | 1,610
Commercial Mortgages-Non-Owner Occupied | 1,395 | 2,794
Commercial Construction | 729 | 782
Consumer |  |
Consumer Unsecured | - | -
Consumer Secured | 126 | 415
Residential: |  |
Residential Mortgages | 936 | 1,205
Residential Consumer Construction | - | -
Totals | $ 5,753 | $ 10,375
We also classify other real estate owned (OREO) as a nonperforming asset. OREO represents real property owned by the Bank either through purchase at foreclosure or received from the borrower through a deed in lieu of foreclosure. OREO decreased to $2,267,000 on September 30, 2012 from $3,253,000 on December 31, 2011. The following table represents the changes in OREO balance during the Nine Months ended September 30, 2012.
OREO Changes (dollars in thousands)
| Nine Months ended September 30, 2012
Balance at the beginning of the year (net) | $ 3,253
Transfers from loans | 2,100
Capitalized costs | 5
Writedowns | (710)
Sales proceeds | (2,307)
(Loss) on disposition | (74)
Balance at the end of the period (net) | $ 2,267
|  | Impaired Loans (dollars in thousands)
|  | For the Nine Months Ended September 30, 2012
2012 |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 2,279 |  | $ 2,538 |  | $ - |  | $ 2,818 |  | $ 11
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,703 |  | 2,801 |  | - |  | 2,457 |  | 143
| Commercial Mortgage Non-Owner Occupied | 5,261 |  | 5,456 |  | - |  | 5,071 |  | 172
| Commercial Construction | 950 |  | 950 |  | - |  | 1,027 |  | 38
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 652 |  | 713 |  | - |  | 473 |  | 37
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,968 |  | 1,999 |  | - |  | 1,415 |  | 86
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 1,376 |  | $ 1,377 |  | $ 421 |  | $ 2,172 |  | $ 54
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 1,605 |  | 1,851 |  | 468 |  | 2,061 |  | 81
| Commercial Mortgage Non-Owner Occupied | 754 |  | 754 |  | 87 |  | 1,672 |  | 25
| Commercial Construction | 1,274 |  | 1,546 |  | 144 |  | 1,487 |  | 8
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 564 |  | 741 |  | 426 |  | 753 |  | 18
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,336 |  | 1,683 |  | 201 |  | 1,629 |  | 34
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |
| Commercial | $ 3,655 |  | $ 3,915 |  | $ 421 |  | $ 4,990 |  | $ 65
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 4,308 |  | 4,652 |  | 468 |  | 4,518 |  | 224
| Commercial Mortgage Non-Owner Occupied | 6,015 |  | 6,210 |  | 87 |  | 6,743 |  | 197
| Commercial Construction | 2,224 |  | 2,496 |  | 144 |  | 2,514 |  | 46
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | 1 |  | 1 |  | 1 |  | 1 |  | -
| Consumer Secured | 1,216 |  | 1,454 |  | 426 |  | 1,226 |  | 55
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 3,304 |  | 3,682 |  | 201 |  | 3,044 |  | 120
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
|  | $ 20,723 |  | $ 22,410 |  | $ 1,748 |  | $ 23,036 |  | $ 707
|  | Impaired Loans (dollars in thousands)
|  | For the Year Ended December 31, 2011
2011 |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 3,357 |  | $ 3,570 |  | $ - |  | $ 8,978 |  | $ 118
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,211 |  | 3,108 |  | - |  | 2,457 |  | 124
| Commercial Mortgage Non-Owner Occupied | 4,880 |  | 5,170 |  | - |  | 5,418 |  | 227
| Commercial Construction | 1,103 |  | 1,103 |  | - |  | 984 |  | 38
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 293 |  | 642 |  | - |  | 330 |  | 6
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 862 |  | 1,007 |  | - |  | 633 |  | 15
| Residential Consumer Construction | - |  | - |  | - |  | 33 |  | -
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ 2,968 |  | $ 3,052 |  | $ 440 |  | $ 2,170 |  | $ 106
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 2,516 |  | 2,686 |  | 555 |  | 3,815 |  | 137
| Commercial Mortgage Non-Owner Occupied | 2,590 |  | 3,129 |  | 228 |  | 1,858 |  | 117
| Commercial Construction | 1,700 |  | 1,964 |  | 275 |  | 2,454 |  | 42
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | 286 |  | -
| Consumer Secured | 942 |  | 1,021 |  | 357 |  | 699 |  | 49
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,922 |  | 2,180 |  | 128 |  | 1,847 |  | 89
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |
| Commercial | $ 6,325 |  | $ 6,622 |  | $ 440 |  | $ 11,147 |  | $ 224
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 4,727 |  | 5,794 |  | 555 |  | 6,272 |  | 261
| Commercial Mortgage Non-Owner Occupied | 7,470 |  | 8,299 |  | 228 |  | 7,275 |  | 344
| Commercial Construction | 2,803 |  | 3,067 |  | 275 |  | 3,438 |  | 80
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | 286 |  | -
| Consumer Secured | 1,235 |  | 1,663 |  | 357 |  | 1,029 |  | 55
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 2,784 |  | 3,187 |  | 128 |  | 2,480 |  | 104
| Residential Consumer Construction | - |  | - |  | - |  | 33 |  | -
|  | $ 25,344 |  | $ 28,632 |  | $ 1,983 |  | $ 31,960 |  | $ 1,068
Allowance for Credit Losses and Recorded Investment in Financing Receivables |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |  |  |  |
For the Nine Months Ended September 30, 2012 |  |  |  |  |  |  |  |  |  |
|  |  |  | Commercial |  |  |  |  |  |
2012 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 892 |  | $ 2,677 |  | $ 1,486 |  | $ 557 |  | $ 5,612
Charge-offs |  | (504) |  | (816) |  | (463) |  | (67) |  | (1,850)
Recoveries |  | 18 |  | 112 |  | 18 |  | 7 |  | 155
Provision |  | 592 |  | 785 |  | 218 |  | 181 |  | 1,776
Ending Balance |  | $ 998 |  | $ 2,758 |  | $ 1,259 |  | $ 678 |  | $ 5,693
Ending Balance: Individually evaluated for impairment |  | $ 421 |  | $ 699 |  | $ 427 |  | $ 201 |  | $ 1,748
Ending Balance: Collectively evaluated for impairment |  | 577 |  | 2,059 |  | 832 |  | 477 |  | 3,945
Totals: |  | $ 998 |  | $ 2,758 |  | $ 1,259 |  | $ 678 |  | $ 5,693
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | 3,655 |  | 12,546 |  | 1,217 |  | 3,305 |  | 20,723
Ending Balance: Collectively evaluated for impairment |  | 52,536 |  | 139,852 |  | 69,846 |  | 41,448 |  | 303,682
Totals: |  | $ 56,191 |  | $ 152,398 |  | $ 71,063 |  | $ 44,753 |  | $ 324,405
Allowance for Credit Losses and Recorded Investment in Financing Receivables |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |  |  |  |
For the Year Ended December 31, 2011 |  |  |  |  |  |  |  |  |  |
|  |  |  | Commercial |  |  |  |  |  |
2011 |  | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ 473 |  | $ 2,897 |  | $ 1,207 |  | $ 890 |  | $ 5,467
Charge-offs |  | (702) |  | (2,738) |  | (817) |  | (459) |  | (4,716)
Recoveries |  | 16 |  | 3 |  | 31 |  | 4 |  | 54
Provision |  | 1,105 |  | 2,515 |  | 1,065 |  | 122 |  | 4,807
Ending Balance |  | $ 892 |  | $ 2,677 |  | $ 1,486 |  | $ 557 |  | $ 5,612
Ending Balance: Individually evaluated for impairment |  | $ 440 |  | $ 1,058 |  | $ 357 |  | $ 128 |  | $ 1,983
Ending Balance: Collectively evaluated for impairment |  | 452 |  | 1,619 |  | 1,129 |  | 429 |  | 3,629
Totals: |  | $ 892 |  | $ 2,677 |  | $ 1,486 |  | $ 557 |  | $ 5,612
Financing Receivables: |  |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment |  | 6,325 |  | 15,000 |  | 1,235 |  | 2,784 |  | 25,344
Ending Balance: Collectively evaluated for impairment |  | 53,298 |  | 135,622 |  | 71,253 |  | 38,849 |  | 299,022
Totals: |  | $ 59,623 |  | $ 150,622 |  | $ 72,488 |  | $ 41,633 |  | $ 324,366
| Age Analysis of Past Due Financing Receivables as of September 30, 2012 (dollars in thousands)
2012 | 30-59 Days Past Due | 60-89 Days Past Due | Greater than 90 Days | Total Past Due | Current | Total Financing Receivables | Recorded Investment > 90 Days & Accruing
Commercial | $ 40 | $ - | $ 1,986 | $ 2,026 | $ 54,165 | $ 56,191 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 993 | 869 | 173 | 2,035 | 59,774 | 61,809 | -
Commercial Mortgages-Non-Owner Occupied | 291 | - | 1,396 | 1,687 | 80,390 | 82,077 | -
Commercial Construction | - | - | 320 | 320 | 8,192 | 8,512 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 16 | 1 | - | 17 | 3,451 | 3,468 | -
Consumer Secured | 261 | 365 | 172 | 798 | 66,797 | 67,595 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 548 | 298 | 810 | 1,656 | 38,815 | 40,471 | -
Residential Consumer Construction | - | - | - | - | 4,282 | 4,282 | -
Total | $ 2,149 | $ 1,533 | $ 4,857 | $ 8,539 | $ 315,866 | $ 324,405 | $ -
| Age Analysis of Past Due Financing Receivables as of December 31, 2011 (dollars in thousands)
2011 | 30-59 Days Past Due | 60-89 Days Past Due | Greater than 90 Days | Total Past Due | Current | Total Financing Receivables | Recorded Investment > 90 Days & Accruing
Commercial | $ 532 | $ 26 | $ 3,570 | $ 4,128 | $ 55,495 | $ 59,623 | $ -
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | 2,614 | 130 | 1,610 | 4,354 | 56,400 | 60,754 | -
Commercial Mortgages-Non-Owner Occupied | 504 | 72 | 2,793 | 3,369 | 74,520 | 77,889 | -
Commercial Construction | 782 | - | 424 | 1,206 | 10,773 | 11,979 | -
Consumer: |  |  |  |  |  |  |
Consumer Unsecured | 6 | - | - | 6 | 3,231 | 3,237 | -
Consumer Secured | 202 | 277 | 415 | 894 | 68,357 | 69,251 | -
Residential: |  |  |  |  |  |  |
Residential Mortgages | 523 | 162 | 863 | 1,548 | 37,450 | 38,998 | -
Residential Consumer Construction | - | - | - | - | 2,635 | 2,635 | -
Total | $ 5,163 | $ 667 | $ 9,675 | $ 15,505 | $ 308,861 | $ 324,366 | $ -
Credit Loss Disclosures |  |  |  |  |  |  |
Credit Quality Information - by Class |  |  |  |  |  |  |
September 30, 2012 |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |
2012 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial |  | $ 49,387 | $ 1,629 | $ 2,019 | $ 3,156 | $ - | $ 56,191
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages0Owner Occupied |  | 53,012 | 1,490 | 2,999 | 4,176 | 132 | 61,809
Commercial Mortgages0Non0Owner Occupied |  | 69,622 | 2,178 | 4,262 | 6,015 | - | 82,077
Commercial Construction |  | 6,289 | - | - | 2,223 | - | 8,512
Consumer |  |  |  |  |  |  |
Consumer Unsecured |  | 3,467 | - | - | 1 | - | 3,468
Consumer Secured |  | 64,219 | 1,349 | 833 | 1,194 | - | 67,595
Residential: |  |  |  |  |  |  |
Residential Mortgages |  | 36,680 | - | 486 | 3,305 | - | 40,471
Residential Consumer Construction |  | 4,282 | - | - | - | - | 4,282
Totals |  | $ 286,958 | $ 6,646 | $ 10,599 | $ 20,070 | $ 132 | $ 324,405
Credit Loss Disclosures |  |  |  |  |  |  |
Credit Quality Information - by Class |  |  |  |  |  |  |
December 31, 2011 |  |  |  |  |  |  |
(dollars in thousands) |  |  |  |  |  |  |
2011 |  | Pass | Monitor | Special | Substandard | Doubtful | Totals
|  |  |  | Mention |  |  |
Commercial |  | $ 47,021 | $ 3,978 | $ 2,901 | $ 5,723 | $ - | $ 59,623
Commercial Real Estate: |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 48,622 | 3,003 | 4,696 | 4,283 | 150 | 60,754
Commercial Mortgages-Non Owner Occupied |  | 63,934 | 3,326 | 3,159 | 7,470 | - | 77,889
Commercial Construction |  | 9,000 | 176 | - | 2,803 | - | 11,979
Consumer |  |  |  |  |  |  |
Consumer Unsecured |  | 3,237 | - | - | - | - | 3,237
Consumer Secured |  | 67,295 | 488 | 304 | 1,164 | - | 69,251
Residential: |  |  |  |  |  |  |
Residential Mortgages |  | 35,109 | 557 | 548 | 2,784 | - | 38,998
Residential Consumer Construction |  | 2,635 | - | - | - | - | 2,635
Totals |  | $ 276,853 | $ 11,528 | $ 11,608 | $ 24,227 | $ 150 | $ 324,366
Troubled Debt Restructurings There were no loan modifications classified as TDRs during the three and nine months ended September 30, 2012. There were no loan modifications classified as TDRs during the three months ended September 30, 2011. The following table describes the loan modifications classified as TDRs during the nine months ended September 30, 2011:
For the Nine Months Ended September 30, 2011
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment | Post-Modification Outstanding Recorded Investment
Commercial | 5 |  | $ 3,345,376 | $ 3,345,376
There were no loan modifications classified as TDRs within the last twelve months that defaulted during the three months ended September 30, 2012 and 2011. The following table describes Troubled Debt Restructurings made within the last twelve months that defaulted during the nine months ended September 30, 2012 and 2011, respectively.
For the Nine Months Ended September 30, 2012
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial | 4 |  | $ 798
For the Nine Months Ended September 30, 2011
(dollars in thousands)
Troubled Debt Restructurings That Subsequently Defaulted | Number of Contracts |  | Recorded Investment
Commercial | 1 |  | $ 183
Consumer | 1 |  | 30
Residential | 2 |  | 482
Total | 4 |  | 695

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(k)) -URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5074-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5162-111524 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Paragraph k -Article 4 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 13 -Subparagraph d -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5066-111524 Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 + Details
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